Does Health Insurance Cover STD Testing? 
Coverage for testing/screening for sexually transmitted diseases -LRB- STDs -RRB- has been standard practice in the group and individual health insurance marketplaces for many years . What is covered and how may have varied from state to state . Under the requirements of ObamaCare , health insurance policies compliant with that law will have to cover testing for HIV and a variety of other STDs . So , certainly , policies purchased on or after January 1 , 2014 should offer rather extensive coverage for STD testing and in most cases one would expect testing/screening to be covered under the preventive care requirements of ObamaCare which means 100 % coverage with no copays , deductibles or co-insurance cost sharing . Testing done for treatment purposes and monitoring after an initial diagnosis has been made are then subject to the plan 's treatment coverage provisions . So , the very same test done at no charge to diagnose an STD may be subject to a copay , deductible and/or co-insurance when done in conjunction with chronic disease management/treatment . 