Is Allergy Test Covered By Insurance?

Allergy testing has become a popular way for people to find out what might be causing them chronic discomfort. But the question remains: is it covered by insurance? The answer is, it depends. In this blog post, we will explore the different kinds of tests that are available for allergies and whether or not they are covered by insurance. We will also provide information about how you can determine if your plan covers allergy testing as well as other potential costs associated with these tests. Read on to learn more!

Types of allergy tests

There are four types of allergy tests: skin prick test, blood test, patch test, and oral food challenge.

Skin prick test is the most common type of allergy test. It is quick, simple, and relatively inexpensive. The skin prick test involves placing a drop of allergen on the skin and then making a small prick in the skin so that the allergen can enter. If you are allergic to the allergen, you will develop a raised bump or wheal.

Blood test is another option for allergy testing. A blood test can measure your immune system’s response to an allergen by looking for antibodies in your blood. Antibodies are proteins that are produced by the immune system in response to an allergen. Blood tests are more expensive than skin prick tests and they require a blood draw, which can be uncomfortable for some people.

Patch test is usually done to diagnose contact dermatitis, which is an allergic reaction that occurs when theskin comes into contact with an allergen. Patch testing involves placing patches containing different allergens on the skin and then checking for reactions over the course of two days. Patch testing is more time-consuming than skin prick testing or blood testing, but it can be helpful in diagnosing allergies to substances that cannot be tested using other methods.

How to know if your insurance covers allergy testing

If you think you may have allergies, the first step is to see a doctor. Allergy testing can be done by a primary care physician, an allergist, or a immunologist. The type of doctor you see will likely be determined by your insurance coverage.

Most insurance plans will cover at least some of the cost of allergy testing. However, it’s important to check with your specific insurer to find out what is covered and what your out-of-pocket costs may be.

There are several types of allergy tests that your doctor may recommend. The most common is skin prick testing, which involves placing a small amount of an allergen on the skin and then making a tiny prick in the skin to allow the allergen to enter. If you’re allergic to the substance, you’ll usually develop a red, itchy bump at the test site within 15 minutes.

Blood tests for allergies are also available, but they’re usually not covered by insurance. These tests measure the levels of antibodies in your blood that are produced in response to an allergen. They can be used to diagnose allergies to things like dust mites, pet dander, and certain foods.

What to do if your insurance doesn’t cover allergy testing

If you think you may have allergies but your insurance doesn’t cover allergy testing, there are a few things you can do. First, try to find out if your insurance company offers any type of coverage for allergy testing. Some insurers will cover certain types of tests, such as skin prick tests, but not others. If your insurer does offer some coverage, be sure to check with your doctor to see if the tests they perform are covered.

If your insurance company doesn’t offer any coverage for allergy testing, there are still some options available to you. Many doctors offer discounts for cash-paying patients, so be sure to ask about this when making your appointment. You can also search for “allergy testing” on discount websites like Groupon or Living Social, which sometimes offer deeply discounted rates for this type of service. Finally, some community health centers offer low-cost or free allergy testing on a sliding scale based on income.

How to find an allergy specialist

If you think you may have allergies, it’s important to see an allergy specialist. An allergist is a doctor who is specially trained to diagnose and treat allergies.

There are a few ways to find an allergist in your area:

1. Ask your primary care doctor for a referral. Your primary care doctor knows you and your medical history, so they can refer you to an allergist that they think would be a good fit for you.

2. Look for an allergist in your insurance network. If you have health insurance, check with your insurer to see if there are any allergists in your network. This will save you money on out-of-pocket costs.

3. Use an online search tool. There are a number of online directories that can help you find an allergist near you, such as the American College of Allergy, Asthma & Immunology’s Find an Allergist tool.

4. Ask friends or family members for recommendations. If someone you know has seen an allergist and had a positive experience, they may be able to recommend someone to you.


Allergy tests are an important part of managing allergies, but they can be expensive. Fortunately, many insurance companies will cover the cost of allergy testing in certain cases. It is always a good idea to check with your insurer before having any type of test done so you know what costs you may be responsible for covering and what coverage you have available to you.

With the right understanding and preparation, it is possible to make sure that getting an allergy test doesn’t put too much strain on your wallet and allows you to take control over your allergies and manage them effectively.