Last updated: November 6, 2026.
Resumen en español: La mayoría de los planes de salud en Florida deben cubrir los servicios preventivos recomendados por el USPSTF sin costo compartido cuando se facturan como atención preventiva. Esto incluye pruebas de VIH e ITS para muchas personas. Pregunta a tu plan qué aplica a ti. RapidTesting Miami no vende seguros ni paga primas.
The rule in one paragraph
Under the Affordable Care Act (42 U.S.C. §300gg-13), most non-grandfathered private health plans must cover preventive services that carry an "A" or "B" recommendation from the U.S. Preventive Services Task Force (USPSTF) without copays, coinsurance, or deductible, when you use an in-network provider and the visit is billed as preventive care. Florida Medicaid and Marketplace plans sold in Florida follow related rules. Grandfathered plans and some self-funded employer plans may differ.
What counts as preventive
The USPSTF list includes screening for HIV, syphilis, chlamydia, and gonorrhea for people at increased risk, hepatitis B and C screening, cervical cancer screening, and several prevention services. The full, current list is published at HealthCare.gov. Whether a specific visit is covered without cost-sharing depends on your plan, your network, and how the visit is coded.
Why you might still get a bill
- Coding. If a visit is billed as diagnostic (you had symptoms) rather than preventive (routine screening), cost-sharing can apply.
- Out-of-network labs. The clinic may be in network while the lab is not. Ask where samples are sent.
- Extra tests. Panels sometimes include tests that are not on the USPSTF list.
- Plan type. Grandfathered or short-term plans are not required to follow the rule.
What to say at the front desk
"I'm here for preventive screening. Please bill this visit and labs as preventive care, and please send labs to an in-network laboratory." Keep your explanation of benefits; if a charge looks wrong, call the number on your card and ask for the claim to be reprocessed as preventive. Plans have a formal appeal process if that fails.
If you don't have coverage
You can still get tested. Many clinics in Miami-Dade and Broward offer low-cost or no-cost testing through public-health funding or sliding-fee scales; ask the clinic what applies to you. For coverage questions, free certified navigators at HealthCare.gov can help you understand Marketplace and Medicaid options and apply during open enrollment or a special enrollment period. RapidTesting Miami does not sell insurance, pay premiums, or receive payment for enrollments, and nothing on this site is tied to any clinic, service, or medication.
Frequently asked questions
Is STI testing covered without cost-sharing in Florida?
For most non-grandfathered plans, screening for HIV, syphilis, chlamydia, and gonorrhea is covered without cost-sharing for people the USPSTF identifies as at increased risk, when billed as preventive care in network. Confirm with your plan.
Does this apply to Medicaid?
Florida Medicaid covers preventive screening; cost-sharing rules differ from private plans. Ask your Medicaid plan.
Where can I check what my plan covers?
Your Summary of Benefits and Coverage, the member services number on your card, or your plan's online portal.
Sources: HealthCare.gov — preventive care benefits; USPSTF recommendations. This article is general information, not legal, insurance, or medical advice.
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