Hidden Costs of Allergy Shots

By Rob Stachler, MD, FAAOA

Choosing between sublingual immunotherapy (SLIT) and subcutaneous immunotherapy (SCIT) can often be a very difficult decision.  We are told that the allergy shots are “covered” by our insurance.  We are often lulled into a false sense of security. We then choose the shot route because we think we are going to pay less. 

Let me tell you…there are hidden costs of allergy that we could get stuck paying if we are not careful.  First and foremost:  Most insurance companies will charge a co-pay per shot.  These co-pays can be up to $20 a shot (every week for 52 weeks/yr and for up to 3 years:  $20 x 52weeks x 3 years:  $3,120 at the minimum).  Most allergy docs will divide the shot into 2 serums (to not mix certain allergens with others that degrade the proteins over time and make the shot less effective).  This means that you may be paying up to $40 a shot visit if you receive 2 shots per session ($6,240, 52 weeks x $40 x 3 years).  Sublingual immunotherapy is much cheaper at this point, and is 90% as effective, for most allergens.  It is also easier to administer your allergy medication to yourself daily at home.

So, be sure to check with you’re your insurance company and ask for the information “in writing” to ensure that you are not hit with any unexpected allergy fees for services rendered. Each insurance plan can be dramatically different, and each allergy clinic may charge different prices for sublingual allergy therapy. The take home message is to compare the entire cost to each application of immunotherapy before making a final decision.