Does Health Insurance Cover Allergy Testing?

Allergies are a prevalent health condition that often results in symptoms like runny nose, itchy skin and watery eyes, as well as more serious adverse reactions that could even be life-threatening. Allergy testing can identify which allergens may be triggering such reactions and help diagnose their source.

Allergists carefully tailor allergy tests to each individual, taking into account factors like symptoms, work, home and sleep habits when making their decision. Skin prick and blood tests are popularly employed allergy testing procedures.

Original Medicare

Millions of Americans suffer from seasonal allergies or food intolerances each year, from seasonal pollen allergies to food intolerances, which range from annoying to life-threatening and can interfere with day-to-day activities and quality of life. Luckily, healthcare options exist that may offer relief.

Medicare Part B covers allergy testing as part of its outpatient healthcare services and diagnostic testing for chronic diseases and conditions such as fibromyalgia, diabetes, and heart disease. Part B coverage for allergy testing requires meeting an annual deductible of $185 in 2019, after which Medicare will cover up to 80% of the test.

Medicare Part B’s allergy testing coverage falls within its “clinical diagnostic laboratory services” category, meaning tests must be medically necessary and ordered by a Medicare-enrolled doctor accepting assignment; additionally, an alternative treatments have failed to manage your symptoms as certified by your physician.

Medicare Part B also covers allergy medication, such as nebulizers to help manage severe allergy symptoms. Medicare Part D plans may offer assistance in covering medication costs; individual costs and coverage will differ accordingly.

If you want more information about the various Medicare plans available, speak with a licensed insurance agent who can explain each one and its features and benefits. They’ll be able to show how each plan operates as well as detail any benefits it might bring.

Search online or call your local insurance agency to locate a licensed agent, use the Medicare Plan Finder tool, view what plans are available in your area and enroll in Medicare Advantage or Part D prescription drug plans through this process – either electronically or paper form; to disenroll from Premium Part A or B you must wait one month after notification of eligibility before using CMS-L564 form; in many instances this must happen by month 31 after eligibility notice has been sent out before making your decision.

Medicare Advantage

Medicare Advantage (Medicare Part C) can provide many advantages, and may include allergy testing depending on your plan. Medicare Advantage plans are offered through private insurers that contract with Medicare to offer at least the same hospital and medical coverage as Original Medicare Part A and Part B plans, plus often provide extra perks like prescription drug coverage, dental/vision services and fitness centers.

Medicare coverage for allergy tests depends on your plan, physician and whether or not the test is necessary. In general, Medicare Part B covers skin (prick or scratch tests) and blood testing procedures to detect allergens; blood tests measure antibodies in your blood to measure an allergic response; food challenge tests involve eating increasing quantities of food that could possibly be the source of your allergies until either a reaction occurs or your physician can rule out an allergy diagnosis.

Medicare will cover allergy tests if they have been ordered and conducted in a laboratory approved by Medicare, along with being medically necessary – that means you must show documentation showing your history of symptoms as well as being unable to control them with other therapies.

If your doctor confirms you have an allergy, the next step will likely be allergy shots to help manage its symptoms. Medicare Part B usually covers this treatment if it meets all requirements outlined by your physician – typically this would include proof that alternative therapy options failed and your symptoms still hinder daily activities.

Keep in mind that Medicare Advantage plans may differ significantly from Original Medicare in their costs and provider network restrictions, so always visit your Medicare Advantage plan’s website or contact the provider to stay informed of any specific details pertaining to coverage details or ask them for a list of doctors accepted by them.


As soon as your immune system recognizes a substance as being harmful, it releases chemicals to fight it – this may result in symptoms like sneezing, watery eyes, runny nose or itching. By conducting allergy testing you can learn what triggers these reactions and develop strategies to stop them in future.

Skin prick testing is the most commonly performed type of allergy test. Your physician administers this exam by placing drops of potential allergens onto specific spots on your arm or back and then pricking those areas with a device; if your skin reacts with red bumps that indicate allergy then that indicates something has an allergic reaction that must go away quickly, usually within hours. The entire test typically lasts 15 minutes and most reactions dissipate shortly thereafter.

Your doctor may use an intradermal skin test instead. This method involves injecting small amounts of the allergen directly into your skin, helping them detect more serious allergic reactions. This test should only be used if skin prick or patch tests yield inconclusive results and as it also assists with diagnosing potential causes for contact dermatitis such as medications or insect stings.

Find out if you have an allergy with blood or food challenge tests. These types of exams measure immunoglobulin E (IgE) antibodies to determine whether you may be sensitive to specific foods or substances.

Medicare Part B could cover allergy testing if your doctor deems it medically necessary, though you will still have to pay your deductible and potentially copayment or coinsurance depending on the cost structure of your Medicare Advantage plan.

Some Medicare Advantage plans provide allergy testing coverage in addition to traditional benefits like vision, hearing and dental. Since Medicare Advantage plans are legally mandated to offer all the same benefits as Original Medicare, private insurers often offer comparable allergy testing coverage – though you should always double check. Also if you plan on receiving allergy injections through one of your Medicare Advantage network doctors this could impact the costs and coverage.

Private Insurance

If you have private health insurance, your plan may cover allergy testing. Allergies occur when your immune system identifies an allergen as being harmful to its own defenses; when this happens, chemicals released by your immune system to counter the threat can result in discomforting symptoms such as sneezing, watery eyes, itching or asthma; in extreme cases this could even cause life-threatening anaphylaxis reactions that require hospitalization for medical intervention.

Allergy testing allows doctors to pinpoint the substances triggering allergic reactions in your body and develop a treatment plan to lessen future episodes. There are various forms of allergy tests used to diagnose an allergic response, including skin and blood tests. Skin tests involve placing small amounts of allergen under your upper skin layer; after placement, doctors prick the area using special devices in order to observe any reactions such as redness or swelling; blood tests work similarly, except the allergen is being tested in a lab environment.

Medicare Part B and Medicare Advantage plans both cover allergy testing. Medicare Advantage plans, which are provided through private insurers approved by the government, must legally provide all of the same services as Original Medicare; check with your provider about costs for allergy tests as Medicare Advantage coverage could differ than Original Medicare coverage.

Medicare and private health insurance both make allergy tests relatively inexpensive, and you can help keep costs under control by enrolling in a plan with an affordable deductible. Now is a good time to review your coverage to make sure that it fits best, particularly when starting immunotherapy treatments while your deductible remains met; many deductibles reset each January 1, so taking steps now could save hundreds in future expenses.