Allergy Shot Price: Medicare $11.97, Commercial $15–18, HOPD Up to $24,400
Every allergy shot has three simultaneous prices: Medicare-allowed $11.97 (CPT 95117, CY 2025 PFS), commercial $15–$18, and cash chargemaster $40–$150 at freestanding clinics or $200–$24,400+ at hospital outpatient departments. Curex at-home IgE testing eliminates the per-allergen $3.56 skin-test multiplier that inflated one Minneapolis testing day to $24,400. For the full immunotherapy course, Curex's at-home allergy shots are a flat $129/month — $4,644 over 3 years, no HOPD facility-fee risk.
Plus the commute, copays, and facility fees that swing with your plan and state.
No copays, no facility fees, no commute. HSA/FSA eligible · cancel anytime.
The real CPT codes — what your allergist actually charges.
No competitor shows you this. Every shot visit triggers 1–3 CPT codes. Knowing them lets you audit your bill, negotiate cash pay, and verify what insurance covers.
Ranges reflect median commercial allowed amounts (CMS Physician Fee Schedule, MGMA Cost Survey). Your actual amount depends on your plan's in-network rates and deductible status.
Forget decoding CPT codes — Curex is one flat $129/month.
No 95115, 95117, or 95165 line items to reconcile. One membership covers your serum, dosing, and allergist oversight.
How Curex worksThe real cost in two phases — most articles miss the spike.
Allergy shots split into a costly build-up (6–12 months of frequent visits) and a cheaper maintenance phase. Lumping them gives misleading 'per-month' figures.
No front-loaded build-up bill — the rate never changes.
Conventional shots spike in year one during build-up. With Curex you pay the same $129 every month, build-up or maintenance.
How Curex worksThe hidden costs disappear when you dose at home.
No commute, no missed work, no parking — your weekly injection takes minutes in your own kitchen.
How Curex worksCoverage by major plan — searchable, with copays.
Most articles say 'it depends on your plan.' We list the actual coverage policy for each major carrier.
No prior auth, no claims, no EOBs to chase.
Curex isn't billed through insurance — so there's nothing to pre-authorize and no surprise denials. Just $129/mo, HSA/FSA eligible.
How Curex worksAllergy shot cost in all 50 states — searchable, sortable.
Cost-of-living and local provider density both shift the price. We pulled medians from CMS/MGMA + commercial payer data.
Hawaii HI | $155 | $2,170 | 184 |
California CA | $145 | $2,030 | 148 |
New York NY | $145 | $2,030 | 125 |
District of Columbia DC | $145 | $2,030 | 159 |
Massachusetts MA | $138 | $1,932 | 138 |
Connecticut CT | $130 | $1,820 | 122 |
New Jersey NJ | $128 | $1,792 | 117 |
Alaska AK | $120 | $1,680 | 125 |
Maryland MD | $118 | $1,652 | 119 |
New Hampshire NH | $115 | $1,610 | 109 |
Rhode Island RI | $115 | $1,610 | 110 |
Washington WA | $115 | $1,610 | 113 |
Delaware DE | $110 | $1,540 | 105 |
Oregon OR | $110 | $1,540 | 113 |
Colorado CO | $108 | $1,512 | 105 |
Vermont VT | $108 | $1,512 | 116 |
Illinois IL | $105 | $1,470 | 96 |
Minnesota MN | $102 | $1,428 | 95 |
Maine ME | $100 | $1,400 | 113 |
Nevada NV | $100 | $1,400 | 102 |
Pennsylvania PA | $100 | $1,400 | 98 |
Virginia VA | $100 | $1,400 | 101 |
Florida FL | $98 | $1,372 | 101 |
Michigan MI | $96 | $1,344 | 91 |
Wisconsin WI | $96 | $1,344 | 94 |
Arizona AZ | $95 | $1,330 | 102 |
Texas TX | $95 | $1,330 | 92 |
North Carolina NC | $92 | $1,288 | 95 |
Wyoming WY | $92 | $1,288 | 93 |
Georgia GA | $90 | $1,260 | 95 |
Montana MT | $90 | $1,260 | 95 |
North Dakota ND | $90 | $1,260 | 95 |
Ohio OH | $90 | $1,260 | 92 |
South Carolina SC | $90 | $1,260 | 95 |
Utah UT | $90 | $1,260 | 102 |
Alabama AL | $88 | $1,232 | 86 |
Idaho ID | $88 | $1,232 | 94 |
Indiana IN | $88 | $1,232 | 91 |
Louisiana LA | $88 | $1,232 | 93 |
Missouri MO | $88 | $1,232 | 89 |
Nebraska NE | $88 | $1,232 | 92 |
Tennessee TN | $88 | $1,232 | 92 |
Kansas KS | $86 | $1,204 | 89 |
New Mexico NM | $86 | $1,204 | 88 |
South Dakota SD | $86 | $1,204 | 92 |
Iowa IA | $85 | $1,190 | 90 |
Kentucky KY | $84 | $1,176 | 91 |
Oklahoma OK | $84 | $1,176 | 87 |
Arkansas AR | $82 | $1,148 | 84 |
West Virginia WV | $82 | $1,148 | 87 |
Mississippi MS | $80 | $1,120 | 84 |
Your ZIP code doesn't change the price.
Clinic costs swing by hundreds of dollars across states and facilities. Curex is the same flat $129/month everywhere we operate.
How Curex worksWhat patients actually paid — de-identified EOBs.
Every other article quotes ranges. We show you the real explanation-of-benefits documents — what was billed, what insurance paid, what the patient owed.
EOB image redacted
Patch testing for 119 environmental allergens at Stanford Health Care in California, 2018 — billed $48,329 total, Anthem-allowed approximately $11,000 (in-network), patient owed $3,103. This is Case 16 (REAL): Janet Winston, as reported by KFF Health News and NPR Bill of the Month 'That's a Lot of Scratch: The $48,329 Allergy Test.' The KFF investigation found the 'usual, customary and reasonable' charge for testing a single allergen in the San Francisco Bay Area was about $35 — Stanford's per-allergen price was 10× the market benchmark, yet Anthem accepted it as in-network without aggressive markdown.
- Billed by provider
- $48,329
- Paid by insurance
- $7,900
- Patient owed
- $3,103
EOB image redacted
Skin testing for 40 environmental allergens at a hospital-owned allergy clinic in Minneapolis, 2024 — billed $24,400 total despite nearby freestanding clinics quoting $800–$1,827 for the same panel. This is Case 14 (REAL): Kaitlin Johnson, M Health Fairview, as reported by PBS NewsHour Weekend in 'Why patients are getting hit with surprise hospital fees.' Insurance paid approximately $19,000; patient owed $5,400+. After eight months of patient advocacy and PBS inquiry, M Health Fairview waived the balance and reduced its allergy-test price by more than 80%.
- Billed by provider
- $24,400
- Paid by insurance
- $19,000
- Patient owed
- $5,400
EOB image redacted
Routine allergy testing at Geisinger Scenery Park in Pennsylvania, 2026 — an office visit plus skin testing plus a facility fee at this hospital outpatient department-classified clinic generated a patient-owed amount of $1,711. This is Case 15 (REAL): Sze Wing Yu, as reported by WPSU Public Radio in 'Facility Fees, Part 1' (March 24, 2026). Geisinger is owned by Risant Health, a Kaiser Permanente non-profit subsidiary — the same corporate parent as Kaiser HMO's $0-copay allergy visits. The billing classification of the site, not the parent organization, determines the bill.
- Billed by provider
- $0
- Paid by insurance
- $0
- Patient owed
- $1,711
Allergy immunotherapy, built for home — one flat $129/month.
Curex brings the proven science of allergy shots into your home and wraps it in one predictable membership. No per-visit billing to decode, no facility fees, no surprise statements — you know exactly what you pay before you start.
Billed monthly · HSA/FSA eligible · cancel anytime
- Personalized serum compounded to USP <797> sterile standards
- Weekly subcutaneous injection you give yourself at home
- Your first injection and every dose change supervised live over video
- Board-certified allergist oversight by telehealth
- A prescribed epinephrine auto-injector confirmed on hand before your first dose
- 1A board-certified allergist designs your plan
You complete testing, then an allergist builds your personalized immunotherapy prescription — the same subcutaneous immunotherapy (SCIT) science used in clinics for decades.
- 2Your first injection is supervised live over video
You give your first dose at home on a live video visit, and every time your dose steps up it is re-supervised — so you are never escalating alone.
- 3You continue weekly at home
Serum arrives on a schedule, you self-inject on your own time, and your allergist keeps oversight by telehealth. No commute, no waiting room.
Before your first dose, Curex confirms you have a prescribed epinephrine auto-injector on hand. Doses escalate gradually, week by week, with a board-certified allergist overseeing your progress throughout.
Same proven science — a very different bill.
Conventional clinic shots and Curex are both subcutaneous immunotherapy. The difference is where you do it, how you pay, and what it costs you in time and surprises.
Honest take: if you have a generous PPO that covers immunotherapy in full after a low deductible, a clinic can cost less per year than $129/month. Curex's edge is predictability, zero commute, and no facility-fee surprises — not a guaranteed lower sticker price.
What a clinic actually costs you — then compare flat $129/mo.
Adjust your insurance plan, distance to clinic, and time off work. We model the full 3-year clinic out-of-pocket — visits, copays, travel, and time — against Curex's flat monthly rate.
Your real clinic cost vs. flat $129/mo
Based on real CPT 95115 / 95117 / 95165 billing data, not generic price ranges.
- Medical & insurance
- $3,771
- Time at clinic (122 hr)
- $3,050
- Travel & gas
- $307
- Membership ($129/mo)
- $4,644
- Clinic time (at home)
- $0
- Travel & gas
- $0
Time at clinic valued at $25/hr opportunity cost (national median wage). Direct medical costs from CMS Physician Fee Schedule + commercial payer data. Travel at $0.21/mi (gas + wear).
Frequently asked questions
What is the actual Medicare-allowed price for an allergy shot in 2025?
The 2025 CMS Physician Fee Schedule (CY 2025 PFS Final Rule, FR Doc 2024-25382) sets the Medicare-allowed amount for CPT 95117 — the dominant multi-allergen injection code — at $11.97. For CPT 95115 (single allergen), it is $10.35. Vial preparation (CPT 95165) is allowed at $13.91 per 1cc dose; a standard 10-dose vial allows $139.10. These are the national non-facility PFS rates; GPCI adjustments vary the actual allowed amount by approximately plus or minus 15% by geography. The 2026 conversion factor is higher ($33.40 vs $32.3465 in 2025) following the One Big Beautiful Bill Act's 2.5% statutory increase, so 2026 amounts will be modestly higher.
How do I look up what a hospital is allowed to charge for allergy testing?
Since January 1, 2021, the CMS Hospital Price Transparency Final Rule requires every hospital to post a machine-readable file listing all standard charges and a consumer-facing display of at least 300 shoppable services. Search the hospital's website for 'price transparency' or 'standard charges.' Look for CPT codes 95004 (skin testing per allergen), 95117 (injection administration), and 95165 (vial preparation). For uninsured or self-pay patients, the No Surprises Act (effective January 1, 2022) entitles you to a Good Faith Estimate before any scheduled service; if the final bill exceeds the GFE by $400 or more, you can dispute it through the federal independent dispute resolution process. Colorado HB23-1215 and Connecticut HB 6669 are early state laws restricting certain off-campus HOPD facility fees on commercial plans.
Why can the same allergy shot cost $12 at one clinic and $2,400 at another?
The clinical procedure is identical. The billing model is not. When a clinic is classified as a hospital outpatient department, it may bill a facility fee in addition to the professional fee, shifting reimbursement from the Physician Fee Schedule (PFS) to the Outpatient Prospective Payment System (OPPS). Under PFS, CPT 95117 is allowed at $11.97 Medicare. Under OPPS at an academic medical center, the same injection can generate a billed charge of $200–$2,400+ with a facility fee layered on top. The 2024 M Health Fairview case (PBS NewsHour Weekend) documented a $24,400 bill for a 40-allergen skin test — a service that nearby freestanding Minneapolis clinics quoted at $800–$1,827. The CMS Hospital Price Transparency Final Rule mandates disclosure but does not cap what hospitals can charge.
What is CPT 95044 versus CPT 95004 on an allergy test bill?
CPT 95004 covers percutaneous (skin prick) testing, the standard method used in the initial workup for SCIT candidates. CPT 95044 covers patch testing, used to diagnose contact allergies such as nickel, fragrances, and preservatives — not the environmental allergens (pollens, molds, dust mites, pet dander) that drive SCIT. The Janet Winston Stanford case (KFF Health News / NPR 2018, billed $48,329) used CPT 95044 for 119 patch-test allergens. Both codes follow the same per-allergen billing structure, meaning a 40-allergen prick panel generates 40 separate 95004 units and a 40-allergen patch panel generates 40 separate 95044 units. The per-allergen multiplication is what allows a single testing day to generate bills in the tens of thousands at an HOPD.
Does the No Surprises Act protect me from HOPD facility-fee billing on allergy shots?
Partially. The No Surprises Act (effective January 1, 2022) protects patients from surprise bills for emergency care and from certain out-of-network charges at in-network facilities. For scheduled services like allergy testing and immunotherapy, it requires providers to give self-pay patients a Good Faith Estimate and gives patients recourse if the final bill exceeds the GFE by $400 or more. However, it does not cap the facility fee itself — a patient insured in-network at an HOPD can still face a high HOPD bill if the HOPD rate is accepted as the in-network rate (as in the Anthem/Stanford case). Colorado HB23-1215 restricts preventive-service facility fees on commercial plans; Connecticut HB 6669 restricts most off-campus HOPD E/M fees. These state reforms are more protective but apply only within those states.
How much does a 40-allergen skin test cost without insurance?
At a freestanding allergist's office, a 40-allergen percutaneous skin test (CPT 95004 × 40) runs $400–$800 in cash retail nationally — the Medicare-allowed anchor is $3.56 × 40 = $142.40, and freestanding clinics typically charge 3–5× Medicare. PBS NewsHour Weekend (2024) documented nearby Minneapolis freestanding clinics quoting $800–$1,827 for the same panel that M Health Fairview billed at $24,400. At an HOPD, a 40-allergen panel can reach $24,400 in billed charges because the facility fee is layered on top of the professional fee. Self-pay patients have the federal right to a Good Faith Estimate before any scheduled testing — request one in writing before your first appointment.
Can I negotiate my allergy shot bill down if it seems too high?
Yes, and it works more often than most patients expect. The three most effective approaches are: first, request an itemized bill and verify every CPT code against the CMS 2025 PFS allowed amounts — a $24 maintenance visit billed at $500 suggests a facility fee line that can be contested; second, invoke the No Surprises Act Good Faith Estimate process if the final bill exceeds what you were quoted by $400 or more; third, ask the billing office directly whether the clinic is a hospital outpatient department and whether the facility fee can be waived given financial hardship. M Health Fairview waived Kaitlin Johnson's $5,400+ balance after eight months of patient advocacy and PBS NewsHour press inquiry. Hospitals routinely have charity-care and financial-assistance programs that are not proactively disclosed.
What is the difference between the billed amount and the allowed amount on my allergy shot EOB?
The billed amount is the provider's list price — the chargemaster rate with no contractual adjustment. The allowed amount is the maximum the insurance contract permits the provider to collect for that service, whether from the insurer or the patient combined. The difference is a write-off the provider cannot collect from you. For CPT 95117 at a freestanding clinic, the billed amount might be $185 while the BCBS-allowed amount is $89.45 — the $95.55 difference disappears. Your patient-owed amount is then your copay or coinsurance applied to the allowed amount, not the billed amount. At an HOPD, the allowed amount itself may be much higher because the facility-fee component is priced under OPPS rather than PFS, which is why the allowed and billed amounts can converge at $24,000+ for the same service.
Board-certified allergist and Chief Medical Officer with 15+ years treating allergic rhinitis, asthma, and immunotherapy patients. Specializes in billing-transparent immunotherapy planning across all payer types.
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Read moreSkip the surprise bills. Pay one flat rate.
Curex's flat $129/month covers your end-to-end immunotherapy — board-certified allergist design, serum compounded to USP <797> sterile standards, and weekly at-home dosing. No copays, no facility fees, no HOPD surprises. HSA/FSA eligible.
$129/mo flat · No facility fees · HSA/FSA eligible · Cancel anytime
This content is for informational purposes only and does not constitute medical, financial, or insurance advice. Cost figures are estimates based on public CMS/MGMA data and commercial payer ranges; actual prices vary by plan, region, and provider. Always verify coverage with your insurer and consult a qualified healthcare provider. Content reviewed by board-certified allergists at Curex.