How Much Are Allergy Shots for Cats? 3-Year and 5-Year Total Cost
Allergy shots for HUMANS with cat allergy cost $3,120–$12,500 over 5 years depending on insurance — not veterinary products. Medicare-allowed CPT 95117 is $11.97/visit (CY 2025 PFS, FR Doc 2024-25382); 3-year SCIT minimum OOP is $3,120 per Stachler AAOA 2020. Cat-hair is the ONLY FDA-standardized mammalian allergen. Curex's at-home allergy shots cost a flat $129/month — $4,644 over three years — with no clinic visits.
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.
New York NY | $140 | $2,300 | 141 |
Alaska AK | $128 | $2,200 | 130 |
District of Columbia DC | $128 | $2,100 | 138 |
Hawaii HI | $120 | $1,950 | 125 |
Massachusetts MA | $118 | $1,950 | 131 |
California CA | $115 | $1,900 | 141 |
Connecticut CT | $113 | $1,850 | 120 |
New Jersey NJ | $110 | $1,800 | 117 |
Maryland MD | $103 | $1,700 | 118 |
Washington WA | $100 | $1,650 | 112 |
Colorado CO | $98 | $1,600 | 109 |
Florida FL | $98 | $1,600 | 104 |
Minnesota MN | $98 | $1,600 | 108 |
Oregon OR | $98 | $1,600 | 110 |
Rhode Island RI | $98 | $1,600 | 112 |
Virginia VA | $98 | $1,600 | 108 |
Illinois IL | $95 | $1,550 | 108 |
Pennsylvania PA | $93 | $1,525 | 105 |
Delaware DE | $93 | $1,500 | 106 |
Arizona AZ | $83 | $1,450 | 103 |
Georgia GA | $90 | $1,450 | 97 |
New Hampshire NH | $88 | $1,450 | 106 |
Texas TX | $88 | $1,450 | 99 |
North Carolina NC | $88 | $1,425 | 98 |
Maine ME | $83 | $1,400 | 101 |
Nevada NV | $85 | $1,375 | 100 |
South Carolina SC | $84 | $1,375 | 96 |
Tennessee TN | $84 | $1,375 | 95 |
Louisiana LA | $84 | $1,350 | 95 |
Ohio OH | $83 | $1,350 | 96 |
Vermont VT | $83 | $1,350 | 100 |
Wisconsin WI | $83 | $1,350 | 96 |
Utah UT | $81 | $1,325 | 97 |
Alabama AL | $76 | $1,300 | 88 |
Idaho ID | $78 | $1,300 | 95 |
Kentucky KY | $80 | $1,300 | 92 |
Michigan MI | $80 | $1,300 | 95 |
Missouri MO | $79 | $1,300 | 92 |
Nebraska NE | $80 | $1,300 | 93 |
North Dakota ND | $79 | $1,300 | 93 |
South Dakota SD | $80 | $1,300 | 93 |
New Mexico NM | $78 | $1,275 | 96 |
Arkansas AR | $73 | $1,250 | 90 |
Indiana IN | $79 | $1,250 | 93 |
Montana MT | $74 | $1,225 | 96 |
Wyoming WY | $74 | $1,225 | 96 |
Iowa IA | $73 | $1,200 | 91 |
Kansas KS | $73 | $1,200 | 89 |
Oklahoma OK | $73 | $1,200 | 89 |
Mississippi MS | $69 | $1,150 | 84 |
West Virginia WV | $68 | $1,125 | 86 |
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 allergens over three days at Stanford Health Care in 2018, in-network for Anthem Blue Cross. Billed $48,329; Anthem-allowed roughly $11,000; Janet Winston owed $3,103 out of pocket (KFF Health News/NPR Bill of the Month, 'That's a Lot of Scratch: The $48,329 Allergy Test,' 2018). Per KFF/NPR, the standard San Francisco Bay Area charge for testing a single allergen was approximately $35 — Stanford's per-allergen charge was approximately 10× the market benchmark. That single 3-day testing event nearly matched the Stachler 2020 minimum 3-year SCIT out-of-pocket projection of $3,120. Real case: Janet Winston, Stanford Health Care, Anthem Blue Cross PPO California, 2018.
- Billed by provider
- $48,329
- Paid by insurance
- $7,897
- Patient owed
- $3,103
EOB image redacted
40-allergen skin-test panel at a hospital-owned allergy clinic in Minneapolis, 2024. HOPD facility fee drove the total bill to $24,400 — while nearby freestanding clinics quoted $800–$1,827 for the same panel. Kaitlin Johnson owed $5,400+ before M Health Fairview waived the balance after eight months of advocacy and PBS NewsHour Weekend coverage ('Why patients are getting hit with surprise hospital fees for routine medical care,' 2024). In lifetime-cost terms, a single HOPD testing visit consumed more than the AAOA Stachler 2020 3-year SCIT minimum OOP projection of $3,120. Real case: Kaitlin Johnson, M Health Fairview, Minneapolis, 2024.
- Billed by provider
- $24,400
- Paid by insurance
- $19,000
- Patient owed
- $5,400
EOB image redacted
Maintenance injection at a Kaiser Permanente medical office in California, 2024. Per the Caltech 2024 Kaiser Southern California Plan Chart (September 2023): 'Allergy injections no charge.' $0 cost-share per visit, $0 for the full 5-year SCIT course at non-HOPD Kaiser sites for enrolled members. No traditional EOB is issued. This is the lifetime cost ground floor — and direct evidence that the same Risant/Kaiser corporate parent operates Geisinger Scenery Park in Pennsylvania as an HOPD-classified facility where patient-owed amounts include facility fees. The billing classification of the site, not the corporate parent, determines 5-year cost. Representative case anchored to Caltech 2024 Kaiser SoCal Plan Chart.
- Billed by provider
- $0
- Paid by insurance
- $0
- Patient owed
- $0
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
- $3,477
- 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
Are these allergy shots for cats or for humans allergic to cats?
This page covers allergy shots (subcutaneous immunotherapy, SCIT) given to HUMANS who are allergic to cats — meaning the human's IgE immune system reacts to cat proteins such as Fel d 1. This is entirely different from any veterinary products prescribed by veterinarians to treat skin disease or allergies in cats themselves. Veterinary cat allergy treatments are billed to pet insurance and have no connection to human allergy CPT codes. If you are looking for products to treat your cat's allergy, you are in the wrong place. This page is specifically about the 3-year and 5-year total cost commitment for human cat-allergy immunotherapy, across every major US insurance scenario.
What is the total cost of cat allergy shots over 3 years?
The 3-year total cost of cat SCIT depends on your insurance. At Kaiser HMO or Tricare Prime at an MTF: $0 over 3 years. At Original Medicare with Medigap: $0 after the annual Part B deductible. At Original Medicare without Medigap: approximately $272 in 20% coinsurance (based on $1,358 Medicare-allowed over 3 years — 67 visits at $11.97 plus 4 vial preps at $139.10 each per CY 2025 PFS, FR Doc 2024-25382). At commercial PPO with $20 flat copay: approximately $1,340 over 3 years (67 visits × $20), consistent with Stachler AAOA 2020's '$20 × 52 weeks × 3 years: $3,120 minimum' which assumes more aggressive visit frequency. At HDHP: $2,500–$5,000 over 3 years depending on deductible resets. Cash retail at freestanding offices: $4,000–$9,000 over 3 years.
What is the total cost of cat allergy shots over 5 years?
A 5-year cat SCIT course follows approximately 95 total visits: 39 in Year 1 (build-up phase) plus 14 per year in Years 2–5 per Cox 2011 PP3 (JACI 2011;127[1 Suppl]:S1-S55, DOI 10.1016/j.jaci.2010.09.034). At 2025 Medicare-allowed rates: 95 × $11.97 (95117) = $1,137.15 plus 6 vial preps × 10 doses × $13.91 = $834.60, totaling approximately $1,972 Medicare-allowed over 5 years. The patient owes 20% coinsurance ($394) with deductible met; Medigap = $0. At commercial PPO post-deductible $15–$40 copay: $1,425–$3,800 over 5 years. At HDHP: $2,500–$5,000. Cash retail at freestanding practices: $5,000–$12,500. At HOPD: $25,000+ if testing is HOPD-billed.
Why do cat allergy shots have the strongest evidence of any pet SCIT?
Cat SCIT benefits from three converging advantages absent in other companion-animal immunotherapy. First, cat-hair and cat-pelt extracts are the ONLY FDA-standardized mammalian allergens in the US, approved at 10,000 BAU/mL under Greer license #308 — meaning each dose delivers a verified, reproducible allergen load. Second, Fel d 1 (the major cat allergen, a 35–38 kDa secretoglobin) sensitizes 90–96% of cat-allergic patients (Satyaraj et al., Allergy 2019), so a single standardized extract covers the dominant allergen in almost all patients. Third, the randomized controlled trial base is the largest for any companion-animal allergen: Alvarez-Cuesta 1994 JACI, Varney 1997 Clin Exp Allergy, Lent 2006 JACI, and Alvarez-Cuesta 2007 Allergy SLIT DBPC all demonstrate efficacy. Dog SCIT, by contrast, has non-standardized PNU-based extracts and a 2016 systematic review of 17 trials described results as 'poor and conflicting.'
Do hypoallergenic cat breeds reduce the lifetime cost of allergy shots?
No. Hypoallergenic cat breed claims lack rigorous peer-reviewed validation and should not be used as a basis for SCIT cost planning. Hairless Sphynx cats — commonly marketed as hypoallergenic — still produce Fel d 1 at meaningful levels (Hilger et al., PMC10975736, 2024). Fel d 1 is a secretoglobin produced in sebaceous and salivary glands, not in fur, so removing hair does not eliminate the primary allergen source. Bastien et al. (J Feline Med Surg 2019) documented 80-fold individual variation in salivary Fel d 1 between domestic shorthair cats — meaning your specific cat's allergen output matters more than its breed. Intact male cats do produce 3–5× more Fel d 1 than neutered males due to testosterone regulation (Kelly et al., JACI 2018: 5.15 μg/mL intact vs 0.013 neutered), so neutering your current cat may reduce Fel d 1 exposure and could affect the SCIT cost-benefit calculation.
What percentage of people who start cat allergy shots finish the full course?
The completion rate for allergen immunotherapy (AIT) is concerning: Tkacz JP et al. (Curr Med Res Opin 2021;37(6):957-965, DOI 10.1080/03007995.2021.1903848) analyzed IBM MarketScan commercial claims data from 103,207 AIT patients between 2014 and 2017 and found that 23.9% never returned for their first injection after the index consultation. Across all patients, the 3-year treatment completion rate is substantially below 100%. This structural reality is important for lifetime-cost projections: the $3,120–$12,500+ five-year cost estimates above are aspirational — patients who drop out early absorb the Year 1 build-up cost (the most expensive year) without completing the full course that drives long-term clinical benefit. Before committing to a 3–5 year course, patients should discuss their schedule realities honestly with their allergist.
Can my HSA or FSA cover cat allergy shot costs?
Yes. Per IRS Publication 502, allergy shots (subcutaneous immunotherapy for a diagnosed medical condition) qualify as deductible medical expenses under IRC §213(d). HSA (Health Savings Account) and FSA (Flexible Spending Account) funds can be used to pay for allergy testing, vial preparation, and injection visit copays. The IRS medical mileage rate is $0.21/mile (Notice 2025-5) for travel to the allergist, also FSA/HSA eligible. Veterinary products — such as any products prescribed for your cat's health — are not eligible for HSA/FSA reimbursement under IRS rules. If you have an HDHP with an HSA, pre-funding the HSA before your SCIT build-up phase begins is a practical cost-management strategy: you can use pre-tax dollars to pay the pre-deductible claims during the high-frequency Year 1 build-up.
How does the HOPD billing risk affect cat allergy shot lifetime costs?
Hospital outpatient department (HOPD) classification is the single largest driver of SCIT lifetime cost variance. At a freestanding allergist office, a 5-year cat SCIT course may cost $5,000–$12,500 cash retail. At an HOPD, the initial skin-testing panel alone can exceed that figure in a single visit — the documented worst case is Janet Winston's $48,329 testing bill at Stanford Health Care (KFF Health News/NPR, 2018) where patient-owed was $3,103 in a single episode, and Kaitlin Johnson's $24,400 panel at M Health Fairview Minneapolis (PBS NewsHour Weekend, 2024) where patient-owed was $5,400+ before the balance was waived. Before scheduling your first allergy appointment, ask the practice: 'Is this clinic classified as a hospital outpatient department?' and 'Will I receive a separate facility fee?' Get the answer in writing. Colorado HB23-1215 and Connecticut HB 6669 restrict certain HOPD facility fees — verify if your state has similar protections.
Board-certified allergist and Chief Medical Officer at Curex. 15+ years treating cat-sensitized patients with SCIT and at-home immunotherapy protocols across 3-year and 5-year treatment courses.
Related Articles
Allergy Shots for Cat Allergy | Full SCIT Guide | Curex
Allergy shots for cat allergies reduce symptoms 60-72% at the 15 mcg Fel d 1 maintenance dose. Cat SCIT efficacy, dosing, and alternatives.
Read moreAllergy Shots for Humans Allergic to Dogs Cost – Complete Guide
HUMAN allergy shots for dog allergy: Medicare $11.97/visit; commercial $15–$18; cash $40+. Not CYTOPOINT. Stanford $48,329 HOPD warning. CY 2025 PFS data.
Read moreHow Much Do Dog Allergy Shots Cost – Complete Guide
Dog allergy shots for HUMANS: Kaiser $0; Medicare ~$32/visit; BCBS PPO $20 copay; HDHP up to $600 on vial day. CY 2025 PFS-verified Q&A breakdown.
Read moreAllergy Shots vs Drops: Evidence-Based Comparison | Curex
Allergy shots (SCIT) vs sublingual drops (SLIT): comparable efficacy per Nelson 2015, but SLIT has zero fatalities vs 1 per 2.5M shots. Full comparison.
Read moreDog Allergy Shots Cost – Complete Guide to SCIT Pricing
Dog allergy shots for HUMANS: Medicare $11.97/visit; commercial $15–$18; cash $40+. Can f 5 monosensitization may mean zero SCIT cost. CY 2025 PFS data.
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.