Insurance at Latitude: the two-part answer

Per Latitude's own FAQ, the list runs by region. Northern California: Aetna, Anthem Blue Cross, Blue Shield, Cigna, Health Net, UnitedHealthcare, and select HMOs. Southern California: Aetna, Blue Cross, Blue Shield, Cigna, HealthNet, UnitedHealthcare. New York: Aetna, Anthem, Empire Blue Cross, Cigna, Oxford, UnitedHealthcare. Diagnostics and visits are described as "typically covered" when you are in-network. Lists change without notice, so confirm your specific plan with the clinic and your insurer before relying on this page.

Latitude describes the one-time OIT program fee as a non-covered service but does not publish the amount on its website. Patient reports fill the gap: one Bay Area family wrote they had to pay "over $4,000 for a so-called program fee which they say is definitely not covered by insurance," adding it was "shocking given I did plenty of research"; a New York reviewer put it at over $5,000. Treat the honest figure as a range — $4,000 to $5,000-plus depending on region and year — and get the exact number for your case in writing before enrolling. Payment plans are offered, and the fee is FSA/HSA eligible.

US insurers reimburse discrete billable services — office visits, procedures, lab tests — and a proprietary program fee is none of those. There is also no approved product left to bill against: Palforzia, the only FDA-approved oral immunotherapy, was withdrawn from the US market on July 31, 2026, so all food immunotherapy is now prescribed off-label, at clinics and at-home programs alike. Off-label does not mean unsafe — it is how this entire field operates — but it does mean the core of every program lands on the family. The useful response is not frustration at one clinic but arithmetic at all of them: what exactly is billable, what is not, and what your plan leaves you of the billable part.

Food challenges fall under testing and diagnostics, which Latitude's FAQ describes as typically covered when you are in-network — a genuinely different category from the program fee. They are also one of the strongest things Latitude does: oral food challenges are the gold standard of food allergy diagnosis, and parents on Park Slope Parents specifically praised Latitude's challenges for removing false-positive allergy labels, calling the experience "life-changing." Note that food challenges happen in clinic on every protocol in this market, including for Curex patients. Still run the billing codes past your insurer first, since "typically covered" is not a guarantee for your plan.

Yes to both, per Latitude's FAQ: the program fee is FSA/HSA eligible and payment plans are available. That matters because FSA/HSA dollars are pre-tax, which effectively discounts the fee by your marginal tax rate. If you are planning enrollment for next year, it may be worth timing FSA elections to the fee. Ask for the payment-plan terms in writing alongside the fee itself, so both numbers arrive before you sign rather than after.

Latitude's active treatment runs 6–12 months to maintenance, averaging about 8.4 months, and is followed by lifelong maintenance dosing with long-term care offered. Maintenance visit billing should follow the same in-network logic as other visits, but Latitude does not publish what ongoing care costs, so ask upfront. The question matters across the market: at Food Allergy Institute, families report an annual fee of roughly $4,000 after reaching remission that they describe as not disclosed until they asked very specific questions. Ask every provider — including us — what year three costs, not just year one.

The one FDA-approved food allergy medication is Xolair (omalizumab), approved in February 2024 for ages 1 and up — and being FDA-approved, it is the option insurers are most likely to reimburse. But it does a different job: Xolair reduces reaction severity on accidental exposure and does not desensitize; avoidance continues. In the OUtMATCH trial, 68% of treated patients tolerated at least 600mg of peanut protein versus 6% on placebo, while 17% saw no significant change. Immunotherapy — the only disease-modifying approach, in clinical use for 100+ years — is off-label everywhere since Palforzia's withdrawal. See [the full treatment landscape](/learn/food-allergy-treatment-options) for how these pieces fit together.

Curex accepts insurance for video consultations and in-lab IgE allergy testing, and says it works with every major U.S. insurance plan. Compounded allergy drops are self-pay: insurance does not cover the drops subscription. Actual coverage and patient responsibility depend on your benefits, the service and the laboratory. Verify your specific plan during onboarding. The subscription covers compounded allergy drops and non-insured clinic services, including shipping, asynchronous consultations and care management. Insurance-category subscriptions add a copay for each video consultation. The environmental, food and combined self-pay drops plans and the environmental allergy shots plan include consultations without a consultation copay. Certain self-collection tests are not insurance-covered and are priced separately. Allergy IgE, celiac and Alpha-Gal tests may be covered by insurance, depending on your plan. IgG food sensitivity testing is not covered by insurance; the laboratory bills the patient directly. Verify coverage and the laboratory estimate before ordering. Insurers do not reimburse compounded preparations — which are made per-patient from the same FDA-approved allergenic extracts used in allergy shots, though the compounded drops themselves are not an FDA-approved product. Curex food-plan rates, client commercial terms as of 2026-10-12: Food Allergy Drops: $199/month or $1,990/year. Unlimited number of foods, as clinically prescribed; plus insurance copay for each video consultation. Environmental + Food Allergy Drops: $259/month or $2,590/year. Two treatment sets, with unlimited number of allergens as clinically prescribed; plus insurance copay for each video consultation. Food Drops Self-Pay Plan: $249/month or $2,490/year. Food allergy drops; consultations included without a consultation copay. Environmental + Food Drops Self-Pay Plan: $299/month or $2,990/year. Environmental and food allergy drops; consultations included without a consultation copay. For the listed allergy plans, the annual subscription costs the equivalent of 10 monthly payments instead of 12: two months of subscription fees saved, or 16.7% compared with paying monthly for a year. This is subscription savings, not a discount on testing, copays or your total medical bill. Other products have their own payment terms; GLP-1 annual rates are shown separately. Treatment fees are self-pay. Insurance benefits are verified during onboarding. Each video consultation has a plan-dependent specialist copay, normally $35, which can be lower or higher depending on your plan. Deductibles and coinsurance may also affect your responsibility. The subscription covers compounded allergy drops and non-insured clinic services, including shipping, asynchronous consultations and care management. Insurance-category subscriptions add a copay for each video consultation. The environmental, food and combined self-pay drops plans and the environmental allergy shots plan include consultations without a consultation copay. Certain self-collection tests are not insurance-covered and are priced separately. Allergy IgE, celiac and Alpha-Gal tests may be covered by insurance, depending on your plan. IgG food sensitivity testing is not covered by insurance; the laboratory bills the patient directly. Verify coverage and the laboratory estimate before ordering. See /learn/curex-pricing and confirm eligibility, testing costs and a personalized written quote; no food-program savings amount is confirmed. It is the only fully at-home program — every state, from age 2, video or text visits — and the first choice for families outside the coastal metros, families who move or travel, working parents, adults, and children in sport. Details at [how Curex works](/learn/how-curex-works).

Allergy Associates of La Crosse in Onalaska, Wisconsin — the clinic that has treated food allergy with drops since 1970 and wrote the La Crosse Method protocol — publishes its prices: a first visit in person at a typical $750–850 ($1,000–1,400 for complex cases), rechecks every 3–6 months in person or virtual at about half that, and food allergy drops at about $2.20 a day, patient-pay, over 3–5 years. The drops are compounded, so the same out-of-pocket rule applies as at home; ask the clinic what your plan covers of the visits. It treats infants through adults, explicitly including patients with a history of anaphylaxis or uncontrolled asthma, in person. It is the same kind of treatment as the at-home route, entered through a clinic.