Updated at: 10-02-2023 - By: Helen Skeates

What does an insured pap smear cost? Without covering insurance, you’ll need to shell out between $39 and $125. However, the costs may be covered by the insurer if you prioritize your health.

Pap tests are typically covered by insurance. Depending on your policy, your insurance provider may pay for all or part of the cost.

Have you received a cervical cancer diagnosis? Is this a test to see if you have, or do you not? To determine whether or not you have cervical cancer, your doctor may have recommended that you get a pap smear. Whether you’re familiar with the term “pap smear” or not, this article will address any concerns you have about the procedure, including what to expect during the test and how much it will cost.

Pap Smear

Testing for abnormal cells that may have blocked your Cervix is the purpose of a Pap smear, more often known as a Pap test. In order to prevent cervical cancer from developing, you must eliminate these aberrant cells. The Human Papillomavirus (HPV) is a sexually transmitted virus that can cause genital warts and other abnormalities, and the test will reveal any such alterations. Pap smears are performed only when medically necessary and only on female patients.

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How Is It Done?

Pap smears could eventually be a standard component of your annual checkup or pelvic exam. During the exam, a speculum (made of metal or plastic) will be inserted into your vagina. As the speculum is inserted, the vaginal walls dilate to allow the sampler to reach the cervix and collect cells.

The sampler will be forwarded for analysis to a lab. You might spend no more than a few minutes on the test. It will just take a few minutes, although you may experience some minor discomfort as the speculum is inserted and opened inside you. Maintain a stationary position during the exam.

Should You Get Tested?

If you’ve had a Pap test before, the results, your age, and your medical history will all play into how often you need to get tested going forward. You may start obtaining Pap tests at the age of 21, and you could only have one every three years. In addition to the pap smear, every five years after the age of 25 you can obtain an HPV test. Although Pap tests may or may not be readily available in your region. Depending on the region, it’s possible that

Every three years, you should get a Pap smear.

What happens during a Pap test?

Cervical cancer can be prevented by regular screenings for abnormal cells on the cervix, known as Pap tests or Pap smears. The alterations in cell structure produced by HPV are detected by Pap tests, but the virus itself is not.

Regular checkups, pelvic exams, and well-woman exams often include Pap testing. A metal or plastic speculum is inserted into the vagina by a doctor or nurse during a Pap test. In order to access the cervix, the speculum unfolds to separate the vaginal walls. Then they gently scrape your cervix with a small sampler (a tiny spatula or brush) to gather cells. It’s standard procedure to send the cells off to a lab for analysis.

The Pap test is a quick and painless procedure. When your doctor or nurse inserts the speculum into you, you may feel some pressure or discomfort. When they scrape your cervix to collect cells, you may feel a slight scratching sensation.

What if I have an abnormal Pap test?

Don’t freak over if your Pap test comes back with odd results. Uncertain or abnormal Pap test findings are rather common. It is not necessarily indicative of cervical cancer.

  • A negative test suggests that your cervical cells appear normal but could be abnormal. Yet it remains unclear if HPV is the cause or not. In addition to equivocal, inconclusive, and ASC-US, unclear findings go by a few more names.
  • If your Pap test comes back abnormal, it signifies that you’ve developed abnormal cell changes in your cervix. There is still a chance that you do not have cervical cancer. There’s a chance that these alterations will be rather minimal (low-grade), but there’s also a chance that they (high-grade). The more severe alterations are typically referred to as precancerous since they are not cancer at the present time but have the potential to develop into cancer in the future.

If your Pap test result is ambiguous or abnormal, you may need to undergo additional testing and/or treatment.

  • It’s time for another Pap smear.
  • The Human Papillomavirus (HPV) test screens for the presence of potentially carcinogenic strains of the human papillomavirus.
  • If your doctor suspects that you may have precancerous cells in your cervix, she may recommend that you have a colposcopy.

A colposcopy can detect abnormal cells, but if your doctor discovers them, you’ll likely need therapy. Cryotherapy and long-term exposure to ice (LEEP) are two common therapies.

Where can I go for a Pap test?

A Pap smear can be obtained from a variety of places, including but not limited to a doctor’s or nurse’s office, a community health clinic, the health department, or a Planned Parenthood health center.

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What does an insured pap smear cost? Good news if you’re concerned that these examinations will force you to part with cash. If you have health insurance, you won’t have to worry about paying out of pocket for preventative care like checkups and vaccinations.

A pap smear is a screening test for cervical cancer that is routinely performed as part of a woman’s annual checkup. Insurance companies typically cover both the Pap test and the HPV vaccine.

Without covering the expense, a pap smear can cost anywhere from $39 to $125. Additionally, immunizations and pelvic exams are not included in the fee, so if you plan on paying for your own test, you need budget for an additional sum of money that may well exceed $500.

Factor Affecting The Cost

The fee to take the exam varies by region. A number of variables, including the laboratory performing the test, the location of the insurance company, and the location of the healthcare provider, could affect the final price.

#1. Lab testing

The sample collected for a Pap test must be analyzed in a lab, which may result in more costs. In addition, if you do not have health insurance, you may be responsible for paying a lab fee.

#2. Insurance company’s scope location

Due to the lack of price controls, the price of the test may differ depending on the location of the testing facility.

To give just one example, in New York, a pap smear test costs $39 but in Maine, it costs $65.

#3. Location of the health care provider

Medical testing might vary substantially in cost depending on the location of your healthcare provider. You could, for instance, have to pay a certain percentage of your salary or a flat charge to see a private OB/GYN.

Where To Get Tested?

Your health insurance plan may offer you with a list of preferred doctors and hospitals to visit, or you may be free to make your own arrangements. Your insurance company likely has a preferred HCP that offers discounted prices since they are an associate of your insurance company.

#1. Local planned parenthood centers

There may be an option for a cheap pap smear at your nearby Plan Parenthood Center. It’s a group that provides family planning services to people regardless of their financial situation.

#2. A national cancer detection program centers

Uninsured or underinsured women between the ages of 21 and 64 can get free pap smears under the National Cancer Detection Program. They also provide assistance with a wide range of medical concerns. However, knowing a comprehensive health insurance policy could prove useful in such circumstances.

#3. Urgent care centers

Many women in need of quick treatment for reproductive health issues might get it at urgent care clinics like City MD. They would also provide immediate care for accidents and illnesses considered mild. If you have insurance that will cover any costs that may arise, then this is the option for you.

#4. Women health care centers

There is a large variety of doctors and specialists in the subject of women’s health care, and women’s health care centers are big proponents of and resources for women’s health care management. Females can take advantage of preventative services like pap smears as well.


What does a negative Pap test result mean? And what does a  positive Pap test result mean?

Cervical abnormalities are detected via Pap testing. Negative results for the Pap test indicate that there have been no alterations to the cells lining the cervix. If your Pap test comes back positive, your doctor or nurse may offer additional testing, such as an HPV test or colposcopy, to determine the cause of the abnormal cells.

Can you get a pap test while you’re on your period?

The Pap test is safe to get when you’re menstruating. Your doctor or nurse may advise you to schedule the test during a time when you aren’t expecting your period, as this can skew the findings. However, if you are on your period, you can still take the test (regardless of how thick or light your flow is).

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Is a Pap test part of routine prenatal care?

If you are due for a Pap or HPV test, you can expect to receive one at your first prenatal visit.


What does an insured pap smear cost? Whether or not your insurance will pay for all of the test will determine how much you will have to pay out of pocket. Your tests and exams may be completely covered by your insurance if you have the right plan. Whatever the case may be, if you have some spare time, you might wish to investigate what reinsurance covers. That concludes our discussion.