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A prostate cancer test can offer insight into your prostate health and whether you may need follow-up care. If your doctor recommends testing, you may wonder how much it costs and what your insurance may cover.
Prostate cancer test costs depend on the type of test, where you get it, your insurance coverage and whether you need additional testing. Below, we explain common prostate cancer tests, what affects prostate cancer test prices and how supplemental cancer insurance may help provide financial support for covered cancer-related expenses.
Table of Contents
A prostate cancer test checks for signs that may suggest prostate cancer. One of the most common screening options is a PSA test. This test measures the amount of PSA — a protein produced by the prostate — in your blood.1
An elevated PSA level doesn't always mean you have prostate cancer. PSA levels can also rise due to:2
Your health care provider can help interpret your PSA results while factoring in your health history, symptoms and other findings. Some providers may also recommend a digital rectal exam (DRE) during prostate cancer screening to feel for changes in the prostate.1
If your PSA level is elevated or your provider has other concerns, they may recommend additional follow-up testing, such as another PSA test, imaging or a biopsy.1
The cost of a prostate cancer test can vary. Without insurance, a PSA test may cost $100 to $300 or more, depending on the provider, lab and location.3 Some direct-to-consumer or cash-pay labs may offer lower prices for the blood test. However, testing through a doctor's office or hospital may cost more because the final bill could also include:
You may also incur prostate cancer genetic testing costs if your provider recommends genetic testing based on your diagnosis, family history or treatment plan.
Health insurance may help cover prostate cancer testing, but coverage can vary. Some plans only cover PSA testing when your provider recommends it based on your age, symptoms, risk factors or prior results. Even then, you may still owe a copay, deductible or coinsurance. Medicare Part B covers PSA blood tests once every 12 months for men over the age of 50 if your health care provider orders the screening. If you meet that criteria, you may not have to pay anything for your PSA blood test.3 If you meet Medicare's requirements, the PSA blood test may be covered. However, out-of-pocket costs may apply in certain circumstances, such as if you receive additional services or if your provider does not accept Medicare's approved amount.
If you have private insurance, coverage can vary,4 so it's a good idea to contact your health plan before testing to confirm whether:
Don't wait until it's too late. Help cover yourself and your family with coverage from Aflac.
Get StartedYour decision to get screened may depend on your age, risk factors, health history and personal preferences. The U.S. Preventive Services Task Force recommends that:4
These recommendations apply to men without prostate cancer symptoms or a previous prostate cancer diagnosis, whether they have average or increased risk.4 Your health provider may recommend screening earlier if you are at higher risk of prostate cancer, such as a family history or other risk factors.
Additional testing may also be appropriate if you have the following symptoms:5
A PSA test doesn't diagnose prostate cancer on its own.1 If your results are elevated or change over time, your provider may recommend follow-up tests, such as:5
These services may increase your total cost, especially if they fall under diagnostic benefits instead of screening benefits.
Even if your primary health insurance helps cover prostate cancer testing and treatment, you may still incur some out-of-pocket expenses for:
Prescriptions and Medications Aflac's supplemental cancer insurance can help with covered cancer-related expenses. Our cancer insurance policies pay cash directly to you, unless otherwise assigned, so you can use the money where it helps most.
Unexpected costs can vary widely depending on your provider, location, insurance coverage and additional testing. If you are interested in added support for future cancer-related expenses, Aflac's cancer insurance can help. You can also explore some of our other policies that can help provide added financial protection. Chat with an Aflac agent today to learn more about your coverage options and get a quote.
Get Started
Let's dive deeper into what cancer insurance is, how it works, and what it costs so you can decide if this type of policy makes sense for your unique situation.
Cancer insurance can help you pay for cancer-related costs your health insurance doesn't cover. Learn more about whether insurance covers cancer treatments.
Let's dive deeper into what cancer insurance is, how it works, and what it costs so you can decide if this type of policy makes sense for your unique situation.
Cancer insurance can help you pay for cancer-related costs your health insurance doesn't cover. Learn more about whether insurance covers cancer treatments.
1 Mayo Clinic - PSA test. Updated on April 30, 2025. https://www.mayoclinic.org/tests-procedures/psa-test/about/pac-20384731. Accessed on June 4, 2026.
2 The Conrad Pearson Center - 10 Common Causes of Elevated PSA - It Doesn't Always Mean Cancer. Updated on December 11, 2024. https://conradpearson.com/mens-health/elevated-psa/. Accessed on June 4, 2026.
3 Healthline - Does Medicare Cover the Prostate-Specific Antigen (PSA) Test? Updated on August 26, 2024. https://www.healthline.com/health/medicare/does-medicare-cover-psa-test. Accessed on June 4, 2026.
4 CDC - Screening for Prostate Cancer. Updated on August 4, 2025. https://www.cdc.gov/prostate-cancer/screening/index.html. Accessed on June 4, 2026.
5 Mayo Clinic - Prostate cancer. Updated on February 20, 2026. https://www.mayoclinic.org/diseases-conditions/prostate-cancer/diagnosis-treatment/drc-20353093. Accessed on June 4, 2026.
Content within this article is provided for general informational purposes and is not provided as tax, legal, health, or financial advice for any person or for any specific situation. Employers, employees, and other individuals should contact their own advisers about their situations. For complete details, including availability and costs of Aflac insurance, please contact your local Aflac agent/producer.
Aflac coverage is underwritten by American Family Life Assurance Company of Columbus. In New York, Aflac coverage is underwritten by American Family Life Assurance Company of New York.
Cancer insurance is also known as Specified-Disease Insurance in some states.
Cancer/Specified-Disease, B70000 series: In Delaware, Policies B70100DE, B70200DE & B70300DE. In Idaho, Policies B70100ID, B70200ID & B70300ID. In Oklahoma, Policies B70100OK, B70200OK & B70300OK. Not available in New York or Virigina. A75000 series: In Virginia, policies A75100VA–A75300VA. 78000 series: In New York, NY78100–NY78400.
Other coverage is underwritten by Tier One Insurance Company. Tier One Insurance Company is part of the Aflac family of insurers. In California, Tier One Insurance Company does business as Tier One Life Insurance Company (NAIC 92908).
Cancer/Specified Disease plans, T70000 series: In Delaware, Policy T70000DE. In Idaho, Policy T70000ID. In Oklahoma T70000OK. Not available in New York or Virginia.
Coverage/plan levels may not be available in all states, including but not limited to NJ, NM, NY, VA or VT. Benefits/premium rates may vary based on plan selected. Optional riders may be available at an additional cost. Policies and riders may also contain a waiting period. Refer to the exact policy and rider forms for benefit details, definitions, limitations and exclusions.
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