Testosterone lab panel cost

The short answer

Medicare publishes a national price for a testosterone test, and it is $25.81. That is HCPCS 84403, "Assay of total testosterone", in the CY 2026 Q3 Clinical Laboratory Fee Schedule, effective from 1 January 2026 with no geographic adjustment anywhere in the United States. The five tests the one applicable guideline actually names — two morning total testosterones, a free testosterone, a haematocrit and a PSA — come to $97.85 at those published rates. Against that, our directory records 8 lab products from 3 providers; 4 carry a price, running $49.00 to $249.00, and 4 carry none. The gap between those two numbers cannot honestly be divided, because not one of the 8 products discloses which tests it contains. The single product in our records actually called a "Testosterone Test" has no recorded price at all. So the answer is that the tests are cheap, published and checkable, and the panels are none of those three.

The figures, and where each one comes from

What this page will not tell you

Each of these is missing because it could not be sourced, not because it was overlooked. Where a figure is unpublished, this page says so rather than estimating it.

• What a laboratory will charge you in cash for a testosterone test.

  The Clinical Laboratory Fee Schedule is what Medicare pays, derived from the weighted median of the rates private insurers negotiated. It is not a cash price, no laboratory is obliged to offer it to a self-payer, and no federal or commercial dataset publishes what direct-to-consumer laboratories charge. Treat $25.81 as the middle of the insured market for that one code, then ask a laboratory what its own self-pay price is.

• What is actually inside any panel our directory records.

  Not one of the 8 recorded lab products names a single analyte — 0 of 8. The scan behind that count reads every recorded service, feature, pricing tier and tier feature, and it is deliberately generous: three named analytes would count as a contents list. None of them reaches one. We will not reconstruct a contents list from a marketing page, because a table of ticks assembled that way is indistinguishable from a table of ticks that was sourced.

• A price for the product our own records call a "Testosterone Test".

  Everlywell lists it as a service and our record carries no price for it. The provider-level starting price on that record is $49.00, which belongs to its "Cholesterol & Lipids Test" — a different product. Printing that figure next to the word "testosterone" is precisely the error that put a per-dose erectile-dysfunction price on a testosterone ranking elsewhere on this site, so the cell is left empty instead.

• A published price for "a men’s health panel" as a unit.

  There is no CPT code for one. The only panel code in the CY 2026 Q3 file whose definition names testosterone is 80414, "Testosterone response panel", and its own definition makes it a chorionic gonadotropin provocation test rather than a screening panel. The marketed category has no code, so there is nothing for CMS to price and nothing for this page to quote. The individual tests are priced instead, and the sum is labelled as a sum.

• What the blood draw, the collection kit or the shipping costs.

  Medicare pays a specimen collection fee and a travel allowance separately from the test rate, and only in defined circumstances — the fee schedule we read prices the assay, not getting the blood into the tube. For an at-home kit the collection cost is folded into the product price and never itemised. We could not source either figure and we have not estimated one.

• Whether any recorded panel measures free testosterone the way the guideline describes.

  The abstract asks for equilibrium dialysis or an accurate formula. The CLFS descriptor for the free testosterone code states no method at all, and no provider record names a method either. So the price of a free testosterone can be stated and the question a reader actually has — whether the number that comes back was produced the way the guideline intends — cannot be answered from anything we opened.

• What a testosterone panel costs with insurance.

  This page is the published-rate case. With coverage the bill turns on whether the test is ordered for a documented indication, on the deductible, on whether the laboratory is in network, and on whether a screening draw is covered at all — Medicare does not cover lab screening for patients with no signs, symptoms or history, with defined exceptions. None of that is a national number and we will not average it into one.

Why the tests are cheap and the panels are not

Start with the file, because the file is the only part of this that is checkable. CMS publishes the Clinical Laboratory Fee Schedule per HCPCS code, quarterly, as a public use file — PUF_CLFS_CY2026_Q3V1.csv in the CY 2026 Q3 release, 2,206 records. Every test a men’s panel is sold on is in it, and the rates are small: $2.37 for a haematocrit, $25.81 for a total testosterone, $51.28 for the dearest thing on the list. The whole named set is $97.85. Nothing about measuring testosterone is expensive.

The rate is also not the kind of number the drug pages on this site publish, and the difference is in the reader’s favour. A NADAC rate is an acquisition cost — what a pharmacy paid a wholesaler — so it sits below anything a patient could be charged by construction. A CLFS rate is set the other way round: since the Protecting Access to Medicare Act, CMS builds it from what commercial insurers actually negotiated for that code. "We pay for most clinical diagnostic laboratory tests (CDLTs) based off the weighted median of private payor rates (fee schedule)." That makes it the middle of the private market rather than the bottom of the supply chain, and it is a single national figure because CMS makes no geographic adjustment to it.

Then look for the product. Our directory records 8 lab products. 4 carry a price and 4 do not, and the number that discloses an analyte is 0. So a reader can be told what a free testosterone costs to the cent, and cannot be told whether the panel in front of them includes one. That is not a gap in our research, it is what the market publishes: Everlywell sells a "Men's Health Test" for $249.00 and names no test in it, and the one product in these records actually called a "Testosterone Test" carries no price.

One consequence worth taking to the order form. The abstract names two routes to a free testosterone, equilibrium dialysis and an accurate formula, and adding an SHBG to a total testosterone you were drawing anyway — the formula route — costs $21.73 at the published rate, against $25.47 for a direct free testosterone assay the abstract does not name. The cheaper route is the one the guideline describes. The calculation itself is at /tools/free-testosterone-calculator, and a panel that returns a total and an SHBG is therefore worth more to you than one that returns a direct free testosterone and no SHBG, whatever the two cost.

The tests one guideline names, at the published rate

Each test the Endocrine Society 2018 abstract names for diagnosing and monitoring testosterone deficiency, priced at its CY 2026 Q3 Clinical Laboratory Fee Schedule rate. This is a sum of a named list. It is not a recommended panel and it is not a product.

Two mappings are ours rather than the guideline's and are marked as such. On free testosterone, the abstract says: "In men whose total T is near the lower limit of normal or who have a condition that alters sex hormone-binding globulin, we recommend obtaining a free T concentration using either equilibrium dialysis or estimating it using an accurate formula." — it names no CPT code, and the descriptor for 84402 is "Testosterone; free" with no method stated, so this rate cannot be attributed to the dialysis route. On PSA, the abstract gives decision thresholds in ng/mL but does not instruct that 84153 be ordered. Only the abstract of the Endocrine Society guideline was opened for this page; the full text is behind a publisher paywall. So where this page says an analyte is "not named", it means not named in the abstract. The guideline itself recommends "additional diagnostic evaluation to ascertain the cause of androgen deficiency" without naming the tests in the abstract, so tests it does specify in the full text would not appear here. That is a limit on this page, not a statement that those tests are unnecessary.

Every test on a men’s panel, cheapest first

The published national rate for each code, from PUF_CLFS_CY2026_Q3V1.csv. The middle column reads each rate against the total testosterone rate of $25.81, because that is the test this page is about. Read down to find the test on your requisition.

Effective 1 January 2026, national, with no geographic adjustment. Not what a laboratory will charge a self-payer. One code is deliberately absent from this table: 80414, "Testosterone response panel" at $51.64, whose own definition reads "Chorionic gonadotropin stimulation panel; testosterone response this panel must include the following: testosterone (84403 x 2 on 3 pooled blood samples)". It is the only panel code in the file whose definition names testosterone and it is a provocation test, not a screening panel, so it does not belong on a price axis beside a single morning draw.

What our directory records sellers listing

Every lab product recorded against a provider in our directory, priced where our record carries a price and explicitly unpriced where it does not. The middle column is the count of analytes our record names for that product.

Ordered by recorded price, priced rows first, because that is how a price is looked up — it is not an order of merit and the products are not alternatives to one another. Two things this table exposes about our own data rather than about the market. First, the directory's blood-work category tag misses a priced hormone panel: DudeMeds lists "At-Home Lab Testing" at $119, and that provider is not tagged blood work. Second, the analyte column is zero in every row, which is the reason no multiple is printed here: dividing a product price by the $97.85 named set would imply the product contains those five tests, and no record says it does.

Frequently asked questions

How much does a testosterone blood test cost?

The published national rate is $25.81 for HCPCS 84403, "Assay of total testosterone", under the CY 2026 Q3 Medicare Clinical Laboratory Fee Schedule. That is what Medicare pays, set from the weighted median of what private insurers negotiated for the same code, and it is the same figure in every state. It is not a cash price. What a direct-to-consumer laboratory charges you is a separate number that nobody publishes, and the four priced lab products in our directory run $49.00 to $249.00 for products that do not say what they contain.

Why can you price a testosterone test but not a testosterone panel?

Because one has a code and the other does not. Every individual test has a HCPCS code and a published rate: $25.81 for total testosterone, $25.47 for free testosterone, $21.73 for SHBG, $2.37 for a haematocrit. "A men's health panel" is a marketing category, not a code — the only panel code in the file whose definition names testosterone is 80414, a chorionic gonadotropin provocation test. So the components can be priced and the bundle cannot, and the bundle is what is being sold.

What should a testosterone panel include?

This page does not answer that, and the absence is deliberate. No source we opened states what a general men's health panel should contain. One guideline states what to measure for one specific question — the Endocrine Society, for diagnosing and monitoring testosterone deficiency — and it names a fasting morning total testosterone, a repeat of it, a free testosterone where total is borderline or SHBG is altered, a haematocrit and prostate-cancer-risk assessment. Those five come to $97.85 at the published rates. Assembling the rest of a panel from what is commonly sold would be inventing a recommendation and attributing it to nobody.

Is it cheaper to calculate free testosterone or to measure it?

At the published rates, calculating it is cheaper, and it is also the route the guideline names. If a total testosterone is already being drawn, adding an SHBG so free testosterone can be calculated costs $21.73 more; ordering a direct free testosterone assay instead costs $25.47. The abstract asks for "equilibrium dialysis or estimating it using an accurate formula" and names direct measurement nowhere, and the fee schedule descriptor for the direct code states no method — so you cannot tell from the code which assay a laboratory ran. The arithmetic for the formula route is at /tools/free-testosterone-calculator.

Why is an at-home panel two or three times the published rate?

We do not know, and this page will not guess, because the honest comparison is unavailable. Everlywell's "Men's Health Test" is $249.00 and the five named tests are $97.85; that ratio is 2.5x as pure arithmetic. But the product does not state which tests it runs, so the ratio may be comparing five tests with fifteen or with two. What the extra certainly buys somewhere in there is the collection kit, the postage, the laboratory's own margin and results delivery, none of which the fee schedule includes and none of which any record itemises.

Does the price change depending on which state I am in?

Not the published one. CMS makes no geographic adjustment to Clinical Laboratory Fee Schedule rates, so $25.81 for HCPCS 84403 is the national figure and there is no local variant to look up. That is unusual among Medicare fee schedules and it is the reason a single number can honestly be printed here. What a laboratory charges a self-payer does vary, by laboratory and by state, and that is the number nobody publishes.

Why is there no acquisition cost here like on the drug pages?

Because a blood test has no NDC. The cost pages for TRT, semaglutide and finasteride are built on CMS NADAC, a survey of what pharmacies paid for drug products, published per NDC. We downloaded the 16 September 2026 file — 29,936 rows carrying that as-of date — and searched it: there is no laboratory test in it, because it prices drug products only. The Clinical Laboratory Fee Schedule is the right file for this question, and it is a payment rate rather than an acquisition cost, which is a different kind of number and is described as such throughout this page.

What does this page not tell me?

Seven things, listed above rather than quietly omitted: what a laboratory will charge you in cash, what is inside any recorded panel, a price for the one product in our records actually called a testosterone test, a published price for "a men's health panel" as a unit, what the draw or the kit costs, whether any panel measures free testosterone the way the guideline describes, and what any of it costs with insurance. Each is missing because it could not be sourced, and each entry names the dataset that does not exist.

Sources

1. [1]
   CMS Clinical Laboratory Fee Schedule, CY 2026 Q3 public use file (ZIP; the quoted line is from PUF_CLFS_CY2026_Q3V1.csv)

   2026,84403,,20260101,N,00025.81,Assay of total testosterone,"Testosterone (hormone) level, total",Testosterone; total

   Retrieved 2026-09-20

2. [2]
   CMS — Clinical Laboratory Fee Schedule, the programme page describing how the rates are set

   We pay for most clinical diagnostic laboratory tests (CDLTs) based off the weighted median of private payor rates (fee schedule).

   Retrieved 2026-09-20

3. [3]
   CMS Medicare Learning Network fact sheet MLN006818, Clinical Laboratory Fee Schedule, March 2026

   For most tests, the CLFS payment amount equals the weighted median of private payor rates for the test.

   Retrieved 2026-09-20

4. [4]
   Alpha Health Finder lab-testing provider directory — the listed products charted above, recorded by us from each provider

   Everlywell "Cholesterol & Lipids Test" $49.00 through Everlywell "Men's Health Test" $249.00, with 4 further products recorded and unpriced, as held in src/data/online-providers.ts

   Retrieved 2026-09-20

5. [5]
   Bhasin S, et al. Testosterone Therapy in Men With Hypogonadism: An Endocrine Society Clinical Practice Guideline. J Clin Endocrinol Metab 2018 (PMID 29562364) — abstract, for the tests the named set contains

   We recommend measuring fasting morning total T concentrations using an accurate and reliable assay as the initial diagnostic test.

   Retrieved 2026-09-20

6. [6]
   CMS Clinical Laboratory Fee Schedule public use file — the only panel code whose definition names testosterone

   2026,80414,,20260101,N,00051.64,Testosterone response panel,Reproductive hormone panel (testosterone),Chorionic gonadotropin stimulation panel; testosterone response this panel must include the following: testosterone (84403 x 2 on 3 pooled blood samples)

   Retrieved 2026-09-20

Next steps

• What is in a men’s lab panel
• Lab reference range chart
• Free testosterone calculator
• TRT cost without insurance
• At-home lab testing providers

Other cost references

• TRT cost without insuranceThe published floor for testosterone cypionate, the listed ceiling for online TRT, and the gap between them.
• Semaglutide cost without insuranceThe published acquisition floor for every approved semaglutide product, the recorded telehealth ceiling, and the gap that runs the wrong way.
• Tirzepatide cost without insuranceThe published acquisition floor for every approved tirzepatide presentation, the same injection priced twice, and the recorded telehealth ceiling.
• ED medication costThe published floor for all four ED tablets, the recorded listings, and the fact that generic does not mean cheap.
• Finasteride costThe published floor for finasteride, the brand rate beside it, and what eight recorded hair-loss plans actually charge.