With so many STI testing options available, it’s normal to feel unsure about where to start. Should you choose a full-panel kit or test for specific infections? Is at-home testing reliable enough? What if you have no symptoms at all?
The good news is that today’s STI tests are more accurate and accessible than ever — but the right test for you depends on your unique situation. Below, we’ll break down how to choose the best STI test based on your symptoms, risk factors, preferences, and relationship status.
Do You Have Symptoms?
If you’re experiencing any of the following, it’s important to get tested right away — ideally through a lab or clinic that offers follow-up care:
- Genital discharge, itching, or odor
- Sores, blisters, or unusual bumps
- Pain during urination or sex
- Flu-like symptoms after recent exposure
- Bleeding between periods or pelvic pain
In these cases, choose a comprehensive test panel or see a provider in person. Some at-home services also offer doctor consults and prescriptions if you test positive.
Were You Exposed to a Specific Infection?
If a partner has tested positive or you believe you were exposed to a particular infection, you can focus your testing. Here’s a general guide:
- Chlamydia & Gonorrhea: The two most common bacterial STIs. Often tested together with a single sample.
- HIV: Look for 4th-generation antigen/antibody tests for most accurate early detection.
- Syphilis: Best confirmed with a blood test; common in both at-home and lab panels.
- Herpes (HSV-1 & HSV-2): Testing is optional unless you have symptoms. Not part of most standard panels.
- HPV: Routine testing is recommended for women 30+; no FDA-approved test exists for men.
Always allow for the window period — the time between exposure and when a test can detect the infection. For most STIs, this ranges from a few days to several weeks.
Should You Choose a Full Panel?
If you’re unsure which STI you may have been exposed to, a full panel is your best bet. These tests check for multiple infections at once, offering a comprehensive view of your status. Full panels typically include:
- Chlamydia
- Gonorrhea
- Syphilis
- HIV
- Hepatitis B & C
- Trichomoniasis
- Herpes (optional or add-on)
- Mycoplasma genitalium (included in advanced kits)
Full panels are ideal for routine screening, testing after a new partner, or starting a new relationship. They also reduce the guesswork if you’re asymptomatic but want to be thorough.
At-Home vs. In-Person Testing
Both testing methods are accurate and reliable when used correctly. The decision usually comes down to personal preference, privacy, and how quickly you need results.
- At-Home: Discreet, no appointments, self-collected sample. Best for mild concerns or routine screening.
- In-Person: Offers same-day results, physical exams, and prescriptions if needed. Best for urgent symptoms or known exposure.
Some services offer hybrid options — order online and visit a local lab for sample collection. These combine convenience with lab-grade testing.
What About Cost and Insurance?
Most at-home test kits are not covered by insurance, but many accept HSA/FSA payment. Prices typically range from $69 for single tests to $189+ for full panels. In-person tests may be covered by insurance, especially if ordered by a provider.
If cost is a concern, check for low-cost or free STI testing through your local health department or Planned Parenthood. Many clinics offer sliding-scale fees based on income.
Final Thoughts
The right STI test for you depends on your symptoms, risk factors, and level of exposure. When in doubt, choose a full panel and test sooner rather than later. Most infections are easier to treat when caught early — and getting tested is one of the most responsible things you can do for yourself and your partners.
Explore our Compare Tests page to find the best at-home kits and lab testing services that fit your lifestyle, budget, and privacy preferences.