Getting Shots and Vaccines with Your Health Insurance
Vaccines are important for protecting you from preventable diseases like measles, meningitis, and the flu. Vaccines prepare your immune system to fight diseases without making you sick, so that when you're exposed to the real thing, you can save your days off of work for something more fun than lying in bed with a splitting headache and a burning throat.
How much do vaccines and shots cost with insurance?
Without health insurance, shots and vaccines are paid out-of-pocket. This means something like the shingles vaccine could cost you around $200 if you are uninsured.
With insurance, many preventive shots are covered, although you are still responsible for any copay or deductible your health plan has. The cost of vaccines and shots depends on two factors: the type of shot or vaccine, and your insurance coverage.
For Blue Cross Blue Shield plans offered by CareFirst, vaccinations are completely free. You will pay no out-of-pocket copayment or coinsurance, and you will not have to pay toward your deductible.
Which vaccines are covered by insurance?
Is the flu shot covered?
Many insurance plans cover the flu shot, including Blue Cross Blue Shield plans offered by CareFirst for children and adults.
Are things like shingles and HPV vaccines covered?
Yes! CareFirst's Blue Cross Blue Shield health plans cover HPV vaccines for both children and adults, the varicella vaccine, which protects against shingles, and the pneumococcal vaccine, which helps protect against pneumonia.
Where can you get your shots and vaccines?
If you have health insurance, choosing an in-network provider or a retail clinic that participates in your insurance plan can help you keep costs lower. You can get shots from an out-of-network provider, but you may be asked to pay the full price.
If you are a member of another health plan, or are comparing available benefits, ask your health insurer's Member Services office what vaccines are covered with your health insurance.