How Much Is A Covid Test Without Insurance? Does It Cost Too Much?

Are you scared to get tested for COVID-19 without insurance? Read this article to know how much it cost without insurance. It will help you to find out.

COVID-19 is an acute respiratory illness in humans caused by a virus that is capable of producing severe symptoms and in some cases, it leads the person to death. People who are older and have weak immune systems or have underlying health conditions are affected more rapidly. It was first identified in China in 2019 and became a pandemic in 2020. Millions of people have died due to coronavirus across the globe. A lot of them are still fighting against it.

At this time, no one is safe from the COVID-19. Everyone is conscious about his/her health. In this situation, getting tested for coronavirus is essential. If you feel any symptoms, you should run to the laboratory to test at first.

If you have not tested positive for coronavirus yet, you will have a lot of questions like how the test is taken, how much a PCR test costs, any free test near you, and many more regarding the COVID-19.

Cost of a COVID-19 test without insurance

If you are uninsured, consult a provider if they agree to bill the federal government for COVID-19 services so you do not have to pay any cost. What you have to do is to call the doctor’s office and inform them that you do not have insurance before your appointment.

The cost of a COVID-19 diagnostic test for individuals without insurance ranges from $36 to $180 per test. There is a wide range of charges depending upon the test offered. Any test would require additional charges for specimen collection and physician’s visits, which could potentially add to the cost significantly. The cost of the test can also range from $20 to $850. The median cost is $127.

Apart from the type of tests, the cost of COVID-19 depends on the type of laboratory where the test has proceeded, the region of the country, and other factors.

The federal government has provided a path for reimbursement for COVID-related testing and treatment expenses for uninsured individuals. There is a possibility that the uninsured could still be charged for testing by their healthcare provider.

Free COVID test near me

Free at-home COVID-19 tests are available to order in the United States. Every home is eligible to order almost 4 COVID-19 tests. No-cost testing is also available nationwide at health centers and pharmacies. There are two types of tests:

  • A viral test that tells you that you currently have an infection. A virus SARS-CoV-2 that causes COVID-19.
  • An antibody test that tells you if you previously had an infection with the virus SARS-CoV-2. This test is also known as a serology test. Antibody tests are not used to diagnose a current infection, but it indicates if you had an infection previously.

You have an option of a rapid test that can be performed in minutes and can include some antigens. Self-tests are rapid tests as they produce rapid results. It can be taken anywhere and is easy to use whereas laboratory tests can take days to complete. Some laboratory tests may need further confirmatory testing.

How much does a PCR test cost without insurance?

According to the report, the average cost of a PCR test is $137. Most of the urgent care clinics offer diagnostic testing at a price between $100-$200. In the US, clinics have different prices for tests they offer.

NextCare clinic charges $175-$375 per test. FastMed clinic charges $249. Centra care charges $179. Doctors care charges $ 150 and the list goes on.

You should get a PCR test if you have symptoms such as fatigue, headache, body/muscle aches, cough, fever, sore throat, or congestion. If you have these symptoms you are at a high risk of severe illness because of other medical conditions, age, or have a compromised immune system. You may qualify for treatment to be safe from severe illness.

No appointment COVID test

You don’t need to worry if you haven’t booked your appointment for the COVID test. There are several states where you can book an appointment online. These states include North Los Angeles, South Los Angeles, Northern California, San Diego, and Long Beach. You can locate your nearest RT-PCR testing location and get expedited test results for travel.

In case of emergencies, like if you have a surprise journey, you will have to get tested for COVID. It is the foremost step before traveling. You may have to run in a hurry due to a shortage of time.  However, you can go to the nearest lab/clinic to get it done.

Some laboratories are open for immediate tests. If you haven’t booked your appointment, you can simply go to the lab and get a COVID test. You can have rapid results within a couple of minutes.

How much does a COVID-19 test cost?

The cost of a lab diagnostic test for COVID-19 is $106. The cost of an antibody test is $140 which is a simple blood test that detects specific proteins on the surface of the COVID virus. It usually detects if the person has had a covid infection previously.

Depending on your symptoms, your physician may order a test that will not check only the covid, but for flu or RSV. Regardless of which ‘’COVID Plus’’ test is ordered that costs $486. Most insurers pay for this type of testing because you have symptoms and your physician indicates it is medically necessary.

While testing, it requires one deep swab to the back of your nose which will then be used to test for COVID, flu, or RSV. The same procedure is done in COVID PCR testing.

Can I get COVID-19 from eating fresh food?

Yet, there is no current evidence that people can get COVID-19 from eating fresh food including healthy vegetables and fruits. Fresh fruits and vegetables are a part of a healthy diet and it makes the immune system strong. So the consumption of healthy and fresh food should be encouraged. Green vegetables like spinach, coriander contain a lot of iron which boosts the immune system.

If people are tested positive for coronavirus, most doctors suggest consuming healthy and fresh food. The patient recovers fast by intaking a huge amount of proteins and minerals that got down while fighting with the virus.

In the time of COVID-19, eat the fruits and vegetables after washing them the same way you would in any other circumstance or even more carefully. Before handling them, wash your hands with soap and water and then sanitize. Then wash the fruits and vegetables thoroughly with clean water, especially if you want to eat them raw.

During quarantine, good nutrition is crucial to health particularly when your immune system needs to fight back. For optimal health, it is very important to remain physically active and fit. You should be strategic about the use of ingredients while fighting with the COVID-19. Prioritize fresh products to intake.

Although home-cooked meals should be prioritized, many people are unable to prepare home-cooked meals in quarantine. In such a case, take advantage of healthy and delicious food available online. Order your food from reliable places that follow strict hygiene requirements.

Is it necessary to have a COVID-19 test?

Testing plays a key role to contain and mitigate the COVID-19 pandemic by identifying if you are infected to prevent further person-to-person transmission of the virus. It is necessary to have a COVID-19 test to protect others. It can help your healthcare provider make informed decisions about your care. Getting tested at an early infection can make you become more careful about your health.

Taking a test is necessary because you may travel to an area where the transmission of COVID-19 is high. There is a possibility that you may face a little discomfort or any other complication during specimen collection via nasal or throat swab. If you have a positive result, you can quarantine to avoid spreading the virus to others.

With the help of a test, you can come to know about your physical health. Coronavirus affects our kidneys. Our kidneys are like filters that screen out toxins, extra water and waste products from the body. The virus can cause tiny clots to form in the bloodstream, which can clog the smallest blood vessels in the kidney and impair its function.

Consider not getting tested at the right time if you are infected with the virus. You will fail to get the treatment that will result in a more severe condition.

Do smokers risk developing severe symptoms with COVID-19?

According to the current evidence, the severity of COVID-19  disease is higher among smokers. Smoking affects the lungs badly and impairs lung function which leads to a disaster. As a result, it gets more difficult for the body to fight off respiratory disease due to the coronavirus.

Tobacco users have a higher risk of being infected with the coronavirus through the mouth while smoking cigarettes or intaking any other tobacco products. If a tobacco smoker gets the virus, they may face getting a severe infection because their lungs are already being compromised. On the other hand, having healthy lungs helps the respiratory system.

Smoking damages the lungs that lead to damaging your airways and the small air sacs found in your lungs. Diseases of the lungs include emphysema and chronic bronchitis. Cigarette smoking causes chronic diseases such as lung cancer.

How to recover from COVID-19 at home?

If you feel mild or moderate symptoms of COVID-19, you need to stay home to avoid infecting other people. You should know the things to feel less awful while your immune system fights with the virus. Keep your immunity strong and battle with great willpower without being dismayed or losing your heart.

If you are already under medical conditions such as diabetes, then you are at a high risk of becoming extremely sick or even dying from COVID-19. The first thing you should do if you have symptoms of COVID-19: Call your doctor immediately. Even if your symptoms are not severe, it is better to take care before it’s too late.

Keep a check on your vital signs. Measure your health rate, blood pressure, body temperature. Your physician will assess your respiratory rate which can be low in many breaths you take per minute. In a healthy person, the respiratory rate would be around 12-16. If the respiratory rate is 23 or greater, it is a red flag.

Do you need to get tested for COVID-19 before you travel ?

If you are apart from your loved ones, you must be waiting for the holidays to see them. But with this COVID-19 pandemic, it is essential to think about being around people who can’t be vaccinated or are at a high risk of severe illness from COVID-19. Once you are tested negative for COVID-19, you are free to travel.

Getting tested for COVID-19 before traveling is an essential precaution for travelers to help reduce the risk of virus spread. In this situation, many overseas destinations require travelers to be tested before arrival. Airlines have their vaccine texting policies, make sure to check your airline’s website before traveling.

If you are returning to the US from any other country, you will be required to show a negative COVID-19 test result taken just a day before traveling, even if you are fully vaccinated. Those who recovered from COVID-19 can travel with documentation of recoveries such as a viral test result on a sample taken within 90 days before the flight’s departure and a letter from a health care provider showing that they are cleared to travel.

According to a policy implemented by the Biden administration, If you are a non-US-citizen, you must show proof of being fully vaccinated against COVID-19 before flying into the US from a foreign country.

Remedies for COVID-19 symptoms

If you are having difficulty in breathing, schedule an appointment with your doctor. Perhaps, they recommend that you lie prone, or face-down rather than flat on your back. In case of having a dry cough, use cough syrups, drink hot water or hot lemon tea. If you have shortness of breath, don’t be anxious and consult your doctor. They will advise you to take breathing exercises which will help.

You may get dehydrated after the symptoms of COVID-19. To prevent dehydration, drink fluids regularly and keep eating. Use more intake of fresh juices like citric juice to prevent the lack of calcium in your body. It will keep you hydrated as well as boost your immunity. Must drink about 7-8 glasses of water every day. You may sweat due to fever, supplement water with an electrolyte-containing sports drink such as Gatorade.

To make eating easier, opt for food that is easy to chew and easy to digest, such as noodles or soup, cookies, or toasts. The loss of smell and taste can make the food unappetizing, but good nutrition will aid your fast recovery for sure. If you face congestion, try a short-term use of a nasal decongestant such as a nasal spray. It may help unblock your nose and open sinuses.

How long does COVID-19 last?

If you have a mild case of coronavirus, you may recover within two weeks. It depends on your health, if you take a healthy diet, you may have a chance to recover soon. In severe cases, the patient may take six weeks or more to recover. Usually, the adults get stable faster without lasting symptoms with or without damage to the heart, lungs, kidneys, brain, and respiratory system. 90% of people discharge from the hospital with influenza usually recover within two weeks.

If the individuals experience more than five symptoms during the first week of illness, they are more likely to develop long COVID. Some symptoms may last longer than you think such as loss of taste and smell, fatigue. It can take several days for a person’s immune system to actually clear the virus from the body. Even after you recover from the coronavirus, you still need to get vaccinated or get your booster shot. It’s imperative that you get vaccinated and continue practicing the preventative measures that protect yourself and others from the virus by social distancing, wearing masks and sanitizing your hands.

In some situations, the coronavirus dies very quickly when exposed to UV light in sunlight. If the temperature of the room and relative humidity is low, it may survive the longest. The virus can survive for up to 72 hours on plastic and stainless steel, up to four hours on copper, and 24 hours on cardboard.

In-home COVID-19 testing

In-home COVID-19 test is convenient as you can do it anywhere. It is a safe and beneficial way in which you can receive results quickly without having to disrupt your schedule. If you have to travel but can’t go out for the test, you can do it by yourself at home. Before and after traveling, make sure you are healthy by testing. Make sure to quarantine yourself if you are potentially ill and prevent spreading the virus.

Also, it is a safe and improved experience for your child because the nasal swab test can be painful. Your child will be less stressed and concerned throughout the test knowing that it is done in a safe, comfortable and familiar environment. In-home test is the most accessible way if you don’t want to leave home or you have transportation issues.

Types of in-home tests

There are two types of tests you can have at your home which can be administered by a medical professional at your home.


The RT-PCR test is the most common form of COVID-19 test and it’s the most accurate. In this test, you are less likely to receive a false positive or false negative result. It analyzes fluids that are collected from the back of your sinus cavity for genetic material belonging to the SARS-CoV-2 virus. The test is administered as a nasal swab, and your sample must be sent to a lab for analysis. After that, the results usually return within three business days.


The antigen test analyzes a sample of fluids collected from either your sinus cavity or your throat for certain proteins located on the surface of the virus. This test is administered as either a throat swab or a nasal swab. Your test can be proceeded immediately and the results typically come out within 15 minutes. This rapid test has a risk of false negative results.

Mistakes to avoid while testing for COVID-19

Many people make mistakes by storing the kit at the wrong temperature. RAT’s should be kept at 2 degree celsius to 30 degree celsius. Storing it at high temperature means that the proteins in the test can be denatured. It’ll make permanent changes to protein just like when you cook an egg. Do not let the kit freeze as it can damage the kit components.

Avoid using it straight from the fridge because if you do that, the essential test kit ingredients will not work properly at cold temperature. Keep the kit out for 30 minutes from the fridge before using it. Make sure to check the use-by date before using. You can find the date mentioned on the carton. Expired tests may contain biological or chemical reagents that have gone off.

Do not open the test items until you are ready to start the procedure. Opening the items too early and storing them open can lead to false positive reports. After exposure for seven or eight days, the antigen test cannot detect the virus. The sensitivity of a rapid antigen test improves if you take a daily test, over several days.

Do not assume that all the tests work the same. Some rapid antigen tests need saliva, others use nasal swabs. Choose a reliable company and familiarize yourself with the instructions. While testing, do not touch the tip of the swab with your fingers or allow it to come into contact with other surfaces.

Blow your nose before doing a nasal swab. Avoid eating, drinking, chewing gum, brushing your teeth or smoking before a saliva test. Do not add too many or too few drops on the indicator device. If you do this, you will mess up the timeline and the test will not work properly, as a result you may face trouble.


Getting tested for COVID-19 can make you worried about the cost. Find the affordable covid tests without insurance near you and get it done at the right time. Make sure to do research and choose the best brands and laboratories for accurate results. Keep your diet healthy and avoid mistakes while testing. Read the instructions carefully before you start the test.

Sandra Johnson

Sandra Johnson

Sandra Johnson was a few years out of school and took a job as a life insurance agent in California, selling coverage door-to-door for Prudential. The experience taught her about the technical components of insurance and its benefits for individuals and society, as well as the misunderstandings people often have about insurance. She has over ten years’ experience in the insurance industry, having worked as both a Broker and Underwriter, assisting clients across a broad range of industries. At Insurance Noon, Sarah diligently gathers all the required information and curates up pieces to provide meaningful insurance solutions. Her personal value proposition is to demonstrate a genuine interest in always adding value for clients.Her determined approach to guiding clients has turned her into a platinum adviser to multiple insurers.