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 offer pricing confirmed in a current program quote, with no HOPD facility-fee risk.
Plus the commute, copays, and facility fees that swing with your plan and state.
Commercial terms dated 2026-10-12; consultations included without copay. Total care quote required. Confirm additional charges, testing, initiation, supplies and cancellation terms. Plan rates and terms
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.
| CPT code | What it covers | Cash pay | Insured copay |
|---|---|---|---|
| 95117 | 2+ allergen injection — the dominant SCIT code; most maintenance patients should see this on their EOB, not 95115 2025 Medicare-allowed $11.97; 2024 was $12.32 (CMS CY 2025 PFS Final Rule, FR Doc 2024-25382). Commercial allowed: BCBS $16.69, Aetna $15.98, UHC $15.10, Cigna $18.05 per PayerPrice April 2026. Cash chargemaster $40–$150 at freestanding clinics; HOPD billed $200–$2,400+ with facility fee. | Cash pay $25–$55 | Insured $5–$25 |
| 95165 | Multi-dose vial preparation, per 1cc dose (Medicare defines one dose as 1cc; cap 10 doses per 10cc vial, 30-unit Medically Unlikely Edit, 12-month supply cap per CMS Article A57472) 2025 Medicare-allowed $13.91/dose; 10-dose vial = $139.10 Medicare-allowed. Cash chargemaster $200–$450/vial at independent practices; HOPD-billed up to $1,200+ per vial. Ask whether your clinic bills by Medicare's 1cc rule or AMA CPT clinical-dose rule — this determines 10 vs 20+ billable units per vial. | Cash pay $40–$120 | Insured $5–$25 |
| 95115 | Single allergen injection — less common; used when patient receives only one antigen 2025 Medicare-allowed $10.35. If you receive multiple antigens but see 95115 on your EOB, ask your billing office to verify coding — 95117 is correct for 2+ allergens. | Cash pay $18–$35 | Insured $3–$15 |
| 95004 | Percutaneous skin prick test, per allergen (initial diagnostic; 40-allergen panel is typical; billed per allergen as a separate unit) 2025 Medicare-allowed $3.56/allergen; 40-allergen panel = $142.40 Medicare-allowed total. HOPD-billed: Janet Winston's 119-allergen patch test at Stanford was billed $48,329 in 2018 (KFF Health News / NPR Bill of the Month). M Health Fairview billed $24,400 for a 40-allergen panel in 2024 (PBS NewsHour Weekend). Cash chargemaster $20–$40 per allergen. | Cash pay $20–$40 | Insured $3–$10 |
| 95144 | Single-dose vial preparation, non-venom (used less commonly; typically for self-injection prescribing) 2025 Medicare-allowed $15.85. CY 2026 PFS Final Rule (FR Doc 2025-19787, Nov 5, 2025) flags venom codes 95145–95149 as potentially misvalued — non-venom codes currently stable. | Cash pay $20–$45 | Insured $5–$15 |
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.
Compare clinic bills with a current Curex shot quote.
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.
Confirm the price for build-up and maintenance.
Conventional shots can cost more during build-up. Confirm your Curex program price and billing cadence before enrolling.
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.
Confirm coverage for testing and consultations.
Treatment is self-pay. Insurance is accepted for testing and consultations; confirm coverage and patient responsibility.
How Curex worksAllergy shot cost by US state — 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 |
Compare costs where you receive care.
Clinic costs vary by location and facility. Curex lists a SCIT plan rate separately from total care costs; compare clinic costs with a written quote covering eligibility, initiation and additional charges.
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 — request your program quote.
Curex brings allergy shot care into your home. The listed SCIT self-pay plan rate is not an all-in care estimate. Confirm additional charges, insurance responsibility for testing and consultations, and billing cadence before enrolling.
Or $1,290/year for the annual plan. Commercial terms dated 2026-10-12; consultations included without copay. Total care quote required; confirm availability, testing, initiation, supplies and any in-person care. Plan rates and terms
- 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: the listed SCIT plan rate is not an all-in medical bill. Compare your actual clinic copays and deductible with a complete Curex care estimate, including separately billed services. Lower total costs or savings cannot be promised. See Curex plan rates and additional charges.
Estimate your in-office allergy shot costs.
Estimate the 3-year in-office cost of visits, copays, travel and time. Compare your estimate with actual coverage and a current at-home shot program quote.
Estimate your in-office allergy shot costs
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
Curex at-home allergy shots
Total care estimate required
The Environmental Allergy Shots Plan lists $129/month or $1,290/year, commercial terms dated 2026-10-12, with consultations included and no consultation copay. These are plan rates, not all-in care totals. Confirm testing, initiation, supplies, in-person care and other charges in a written quote. This calculator does not estimate Curex totals or savings; compare your clinic estimate with the complete quote and actual insurance responsibility.
Confirmed Curex pricing and termsTime 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. Confirm your program quote.
Curex lists an SCIT Self Pay Plan rate, but it is not an all-in care estimate. Confirm additional charges, quote inclusions and your insurance responsibility for testing and consultations before enrolling. See current Curex plan rates and terms.
Total care quote required · Remaining payments for shipped treatment are collected on cancellation
Questions about Curex itself?
Straight answers about the company, the evidence, what patients report, and what it costs — including the parts that are not flattering.
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.