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Pregnancy Test Costs Without Insurance

Last modified: Sep 29, 2022

Are you wondering how much a pregnancy test costs without insurance? This blog post will break down the average cost of a pregnancy test without health insurance. We'll also provide some tips on how to get the best deal on a pregnancy test. 

When to Take a Pregnancy Test?

So, how early can you take a pregnancy test? It is recommended that you take a pregnancy test about two weeks after you miss your period. However, some tests can be taken earlier. For example, specific tests can be taken eight days after you miss your period.

The best time to take a pregnancy test is first thing in the morning when your urine is most concentrated. This is because the level of hCG (human chorionic gonadotropin) doubles every two to three days in early pregnancy, so the most accurate results will be from a test taken on or around the day your hCG level is expected to be at its peak.

If you're unsure when to take a pregnancy test, consult with your doctor or a healthcare professional. They will likely recommend waiting until at least two weeks after you miss your period to get an accurate result. 

How Much Do Pregnancy Tests Cost Without Insurance?

Urine test

The urine pregnancy test price without insurance typically ranges from $10 to $25. The most expensive test is likely the one that detects the hCG hormone in your urine. 

Over-the-counter or home pregnancy tests require you to mail a urine sample to a laboratory for testing. These tests usually cost around $25. As with any medical procedure, prices may vary depending on the location and facility where the test is performed.

Blood test

So, how much does a blood pregnancy test cost without insurance? There are a few types of blood pregnancy tests, and the cost can vary depending on which type you get. 

The most common type is a quantitative hCG test, which measures the level of the hCG hormone in your blood. This type of test usually costs between $50 and $200 without insurance. 

Another common type is a qualitative hCG test, which detects whether or not the hormone is present in your blood. This type of test typically costs between $15 and $50 without insurance.

How Does Insurance Cover Pregnancy?

Most health insurance policies cover pregnancy-related costs, from prenatal care to the baby's delivery. Typically, you won't need to purchase any special coverage for pregnancy; your standard insurance policy will suffice. 

However, it's essential to review your policy and speak with an insurance representative to be sure. 

Some policies may not cover certain aspects of pregnancy, such as Cesarean sections or preterm births. In addition, some guidelines have upper limits on how much they'll reimburse for pregnancy-related expenses. So it's important to be aware of these potential limitations before becoming pregnant.

One out of 14 women who gave birth in 2016 in the US continued smoking throughout their pregnancy.

Effectiveness of the Test

Pregnancy tests are usually very accurate, but this can be affected. For example, if the test is taken before six weeks of pregnancy, it may not be able to detect the hCG hormone. 

Another factor that can affect the accuracy of the test is if the woman has a deficient level of hCG. This can happen in cases of chemical pregnancies, where the pregnancy is not developing correctly. The test may still show a positive result in these cases, even though the pregnancy is not viable. 

False Results

There are many reasons why a pregnancy test may give a false-positive result. The most common cause is that the test is not performed correctly. Other reasons include:

  • The test was taken too early in the pregnancy. For example, if the test is taken before the egg's implantation, it can give a false-positive result.
  • There was an error in the test itself.

  • The woman has a medical condition that can cause a false positive result, such as ovarian cysts or breast cancer.
  • Certain medications, such as fertility drugs or antihistamines, can cause a false-positive result.

Symptoms of Pregnancy

During pregnancy, your body goes through a lot of changes. These changes can sometimes cause new and different symptoms. Here are some common symptoms you may experience during pregnancy:

  • Weight gain: Most women gain about 25-35 pounds during pregnancy.
  • Body aches: You may have more aches and pains in your lower back, hips, and legs as your pregnancy progresses. This is because your growing baby puts extra pressure on these areas.
  • Fatigue: Feeling tired is expected in late pregnancy. Your blood sugar and blood pressure levels are lower, making you tired.
  • Nausea and vomiting: Nausea and vomiting, also called “morning sickness,” can happen on any day. However, it is most common in the first trimester.
  • Breast changes: Your breasts may be larger and feel tender or full. You may also have darkening of the skin around your nipples.
  • Frequent urination: You may need to urinate more often because your growing uterus puts pressure on your bladder.
  • Headaches: You may have more headaches during pregnancy, especially in the first trimester. Changes in hormone levels cause this.

Where Can You Get a Pregnancy Test? 

You can get a pregnancy test at your local pharmacy, urgent care center, or even at home. If you're not sure where to start, here's a quick overview of each option:

Urgent care

Many urgent care centers offer pregnancy testing services. It’s a convenient option if you need to get a test done quickly. Plus, you'll be able to speak with a medical professional if you have any questions about the results.


These days, there are many at-home pregnancy tests available. This can be cheaper and more convenient than going to a doctor or clinic. Plus, it gives you the privacy of taking the test in your own home.

Free Pregnancy Test

Several organizations offer free pregnancy tests. This can be a great option if you're on a budget or don't have insurance. Plus, you'll be able to get the test done quickly and easily.

Bottom Line

So, the average cost of a pregnancy test without insurance is $15. However, the price can range from $5 to $25 depending on the brand and store. 

There are many different types of pregnancy tests available on the market, but they all essentially do the same thing: detect if a woman is pregnant or not. The most common type of pregnancy test is a urine test, which can be done at home. Urine tests are 95% accurate when used correctly. Blood tests are more accurate than urine tests but also more expensive and typically require a trip to the doctor's office.

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How much is a pregnancy test?

Pregnancy tests can range in price from about $5-$25, depending on the brand and where you buy it. However, some stores offer pregnancy tests for free if you join their loyalty programs.

Where to get a free pregnancy test?

There are lots of places to get a free pregnancy test. For example, you can find a local clinic or your local pharmacy. In addition, many online services offer free pregnancy tests. However, do your research before choosing one, as some may not be legitimate.

When to get tested for pregnancy?

The best time to take a home pregnancy test is two weeks after missing your period. However, some tests can be taken earlier. Check the instructions that come with your test.

Does insurance cover pregnancy?

Yes, most insurance companies cover pregnancy-related costs. However, it's essential to read the fine print of your specific policy to see what is and isn't covered. Typically, prenatal care, childbirth, and postnatal care are covered by insurance

Where to take a pregnancy test?

You can take a pregnancy test at your doctor's office, a Planned Parenthood clinic, or even a pharmacy. The most important thing is to follow the package's instructions carefully. Some tests require that you wait to urinate for a certain amount of time after waking up to get accurate results. If you're not sure what to do, ask a staff member at the facility where you're taking the test. Pregnancy test cost without insurance is around $20. 

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