Chi Phí Xét nghiệm Pap Là Bao Nhiêu?
A Pap smear (Pap test) is a screening procedure for cervical cancer that collects cells from the cervix for examination. As a preventive service, it is typically covered at no cost under most insurance plans and Medicare.
Không Bảo Hiểm
$250
Có Bảo Hiểm
$0
Medicare
$0
Trung Bình Quốc Gia
$83
By Elena Bellini, MPH, Health Policy & Management · Last reviewed 2026-04-21 ·
Sources: CMS Preventive Services Guidelines 2025 · Methodology · Editorial standards Tổng quan
A Pap smear (Pap test) is a cervical cancer screening test in which cells are collected from the cervix during a pelvic exam and sent to a lab for cytologic interpretation. Modern screening often combines the cytology with HPV testing (co-testing), which extends the screening interval for negative results. The collection itself takes just a few minutes as part of a routine well-woman visit. Current USPSTF and professional guidelines recommend screening for most average-risk patients every 3 years with cytology alone starting at age 21, or every 5 years with HPV co-testing beginning at age 30. Because Pap screening falls under the ACA's preventive-services benefit, the patient should generally owe nothing for the screening test itself when billed correctly as preventive and performed by an in-network provider. The office-visit component, the lab (cytology plus HPV), and any follow-up procedure for abnormal results (colposcopy, biopsy) are handled under different billing rules.
Yếu tố ảnh hưởng đến chi phí
- Preventive vs diagnostic coding: preventive screening Pap is zero-cost-share under the ACA; a Pap ordered for evaluation of symptoms is diagnostic and subject to cost-sharing.
- HPV co-testing: adding HPV testing is standard for most patients 30 and older; it is bundled as preventive when done for screening.
- Lab processing: cytology interpretation is billed separately from the office visit and collection.
- Provider type and setting: in-network primary care, OB-GYN, or community health center pricing differs from hospital-affiliated clinics.
- Office visit modifiers: if the visit addresses other problems beyond screening, a separate E&M code may be billed alongside the preventive service.
- Follow-up of abnormal results: colposcopy and cervical biopsy if triggered are not preventive and carry deductible and coinsurance.
Cách Tiết Kiệm
- Confirm the appointment is coded as preventive well-woman screening so no cost-sharing applies under ACA rules.
- Use an in-network primary care provider, OB-GYN, or community health center — zero-cost preventive applies only in-network.
- Ask whether the lab processing your sample is in-network; mismatches are a common source of surprise bills.
- Keep the visit focused on preventive screening; unrelated concerns may trigger a separate billable E&M code.
- Community health centers and Planned Parenthood offer Pap screening on a sliding-fee scale for uninsured patients.
- If follow-up of an abnormal result is needed, ask whether a conservative observation strategy is appropriate before colposcopy.
Ghi chú về bảo hiểm và phạm vi bảo hiểm
Under the Affordable Care Act, cervical cancer screening (Pap cytology and HPV testing per USPSTF guidelines) is covered with no cost-sharing on most commercial plans when performed by an in-network provider and coded as preventive. Medicare covers a screening Pap every 24 months (every 12 months for high-risk patients) at no cost-sharing. Medicaid coverage is broad and generally at no cost-share. A Pap performed to evaluate symptoms is diagnostic and subject to the plan's standard cost-sharing. Follow-up procedures for abnormal screens (colposcopy, biopsy, LEEP) are not preventive and apply deductible and coinsurance.
Data sources for this page
Cost figures on this page are compiled from the following sources, triangulated per the rules in our methodology:
- CMS Preventive Services Guidelines 2025 — primary CMS reference used as the Medicare-rate anchor.
- Hospital Price Transparency machine-readable files (HPT MRFs) from a sample of major hospitals in each state, per the federal Hospital Price Transparency rule.
- Transparency in Coverage payer in-network rate files for commercial-rate cross-validation.
- State All-Payer Claims Database (APCD) summaries where published (Colorado, New Hampshire, Massachusetts, Minnesota, Maine, Utah, Vermont, Rhode Island, Washington, Oregon).
Last reviewed 2026-04-21. See editorial standards for our fact-checking process and correction policy.
Range: $183 to $345 · 50 states shown
Chi Phí Theo Tiểu Bang
| Tiểu Bang | Không Bảo Hiểm | Có Bảo Hiểm | Medicare |
|---|---|---|---|
| Mississippi | $183 | $0 | $0 |
| Arkansas | $188 | $0 | $0 |
| West Virginia | $188 | $0 | $0 |
| Alabama | $195 | $0 | $0 |
| Oklahoma | $195 | $0 | $0 |
| Kentucky | $213 | $0 | $0 |
| Louisiana | $215 | $0 | $0 |
| Iowa | $220 | $0 | $0 |
| New Mexico | $220 | $0 | $0 |
| South Carolina | $220 | $0 | $0 |
| South Dakota | $220 | $0 | $0 |
| Kansas | $223 | $0 | $0 |
| North Dakota | $223 | $0 | $0 |
| Idaho | $225 | $0 | $0 |
| Nebraska | $225 | $0 | $0 |
| Tennessee | $225 | $0 | $0 |
| Indiana | $233 | $0 | $0 |
| Missouri | $233 | $0 | $0 |
| Utah | $233 | $0 | $0 |
| Wyoming | $233 | $0 | $0 |
| Georgia | $235 | $0 | $0 |
| North Carolina | $235 | $0 | $0 |
| Michigan | $238 | $0 | $0 |
| Montana | $238 | $0 | $0 |
| Arizona | $245 | $0 | $0 |
| Ohio | $245 | $0 | $0 |
| Wisconsin | $245 | $0 | $0 |
| Maine | $248 | $0 | $0 |
| Texas | $248 | $0 | $0 |
| Florida | $253 | $0 | $0 |
| Minnesota | $253 | $0 | $0 |
| Illinois | $258 | $0 | $0 |
| Pennsylvania | $258 | $0 | $0 |
| Delaware | $260 | $0 | $0 |
| Nevada | $260 | $0 | $0 |
| Vermont | $260 | $0 | $0 |
| Virginia | $260 | $0 | $0 |
| Colorado | $265 | $0 | $0 |
| New Hampshire | $265 | $0 | $0 |
| Oregon | $265 | $0 | $0 |
| Maryland | $275 | $0 | $0 |
| Rhode Island | $278 | $0 | $0 |
| Washington | $278 | $0 | $0 |
| Connecticut | $300 | $0 | $0 |
| New Jersey | $300 | $0 | $0 |
| California | $330 | $0 | $0 |
| Massachusetts | $333 | $0 | $0 |
| Alaska | $338 | $0 | $0 |
| New York | $338 | $0 | $0 |
| Hawaii | $345 | $0 | $0 |
Câu Hỏi Thường Gặp
Chi phí xét nghiệm pap không bảo hiểm là bao nhiêu?
Chi phí trung bình của xét nghiệm pap không bảo hiểm tại Hoa Kỳ là $250. Chi phí khác nhau đáng kể theo tiểu bang.
Bảo hiểm có chi trả xét nghiệm pap không?
Hầu hết các gói bảo hiểm y tế chi trả xét nghiệm pap khi cần thiết về mặt y tế. Với bảo hiểm, chi phí tự trả trung bình là $0.
Medicare có chi trả xét nghiệm pap không?
Medicare Part B thường chi trả xét nghiệm pap khi có chỉ định của bác sĩ. Số tiền Medicare phê duyệt trung bình là $0.
Được xem xét bởi Elena Bellini · Xem xét lần cuối: 2026-04-21
Dữ liệu từ CMS Preventive Services Guidelines 2025. Cập nhật lần cuối: 2026-03-01. Thông tin này chỉ mang tính giáo dục và không phải lời khuyên y tế. Trang web này chỉ mang tính chất thông tin và không cấu thành lời khuyên y tế. Luôn tham khảo ý kiến chuyên gia y tế có trình độ.