The Hidden Cost Index
Advertised prices are not always the price you pay. We check each provider's headline figure against their own checkout, FAQ and terms pages, and record every charge that is not in the number they lead with.
37providers checked
35charges outside the headline price
3contradict the provider's own claims
6verified with no hidden fees
How we check. Every entry below was read off the provider's own
live pages, not a press release, a search snippet or a review-site summary. Where a
provider's marketing contradicts its own checkout, we say so and record both. A
finding of no hidden fees is a result too, and is listed with the same
evidence as a charge. Prices change; each entry carries the month we last confirmed it.
Found something wrong or out of date? That is worth knowing, and we would rather
hear it than be quietly wrong.
Blood tests
14 charges outside the advertised price, worst first. Compare providers in this category →
State lab fee
Applies to: New York and New Jersey members
Passed directly to the lab. More than the $199 membership itself.
Confirmed Aug 2026 ·
provider's page
Oura Ring and Oura Membership required
Applies to: anyone ordering a panel
Oura's Health Panels page says panels can be ordered only by members who own an Oura Ring Gen3 or Ring 4 and have an active Oura Membership. The membership page lists $5.99/month. Cancelling an order before the draw also costs a $5 non-refundable fee.
Confirmed Sep 2026 ·
provider's page
Per-order physician fee
Applies to: every order
Added beneath every Add to Cart button but not reflected in advertised prices. Their own FAQ still claims all fees are included, which contradicts their live product pages.
Confirmed Aug 2026 ·
provider's page
WHOOP membership required
Applies to: anyone ordering the lab subscription
WHOOP's Advanced Labs support article describes the Comprehensive Health Panel subscription as a paid add-on for WHOOP members, so the lab price sits on top of a WHOOP membership. The membership tiers ($199 One, $239 Peak, $359 Life per year) are from our WHOOP device record; whoop.com and shop.whoop.com returned a Cloudflare block in September 2026, so the tier prices were not re-read.
Confirmed Sep 2026 ·
provider's page
Credit expiry
Applies to: Everlywell+ members
Unused credits roll over but expire after 12 months, and a single test can cost up to four months of credits.
Confirmed Aug 2026 ·
provider's page
Additional state fees
Applies to: New York and New Jersey
Function notes additional fees in NY/NJ without publishing the amount.
Confirmed Aug 2026 ·
provider's page
Treatment protocols
Applies to: anyone prescribed a protocol
The $99/month membership covers labs and coaching. Treatment protocols are priced separately.
Confirmed Aug 2026 ·
provider's page
Mobile blood draw required in some states
Applies to: residents of New York, New Jersey, Rhode Island, Hawaii and Arizona
The Ultimate product page says a mobile phlebotomist costs an additional $119 and is required in New York, New Jersey, Rhode Island, Hawaii and Arizona. The FAQ on the same page lists only four of those states and omits Arizona.
Confirmed Sep 2026 ·
provider's page
Per-visit blood draw fee
Applies to: every draw
Quest $15, Labcorp $11.50, BioReference $9.50, charged per visit on top of the membership.
Confirmed Aug 2026 ·
provider's page
State compliance fee
Applies to: New York and New Jersey
NY and NJ add a state compliance fee. The amount is not published.
Confirmed Aug 2026 ·
provider's page
Physician service fee
Applies to: every order
Collected for PWNHealth on top of the listed panel price.
Confirmed Aug 2026 ·
provider's page
Different pricing in New York and New Jersey
Applies to: New York and New Jersey members
The pricing page footnotes that pricing may vary for members in New York and New Jersey but does not state the amount. At-home draws are listed as an additional cost.
Confirmed Sep 2026 ·
provider's page
Add-on tests
Applies to: Speed of Aging and Microplastics tests
Sold separately and not bundled into the $365/year Biomarkers membership.
Confirmed Aug 2026 ·
provider's page
Cancellation fee
Applies to: orders cancelled 8-180 days after purchase
Full refund within 7 days; after that a $10 cancellation fee applies.
Confirmed Aug 2026 ·
provider's page
Verified with no hidden fees
HealthLabsNo hidden fees
The only one of the three a la carte lab portals listed here whose no-hidden-fee claim survives verification. Cancellations are refunded minus a 20% fee.
Confirmed Aug 2026 ·
provider's page
PersonalabsNo hidden fees
States explicitly: no draw fee, no doctor fee, no laboratory fee, no setup fee and no processing fee. Cancellations within seven days are refunded minus $20.
Confirmed Aug 2026 ·
provider's page
CGM Monitors
2 charges outside the advertised price, worst first. Compare providers in this category →
CGM sensors
Applies to: Classic tier subscribers
The $80/year Classic tier is software only. Sensors are a separate add-on: Stelo $89 per 2-sensor shipment on subscription, or $99 one-time.
Confirmed Aug 2026 ·
provider's page
13 billing cycles per year
Applies to: subscription customers
Billing runs every 4 weeks rather than monthly, so the $84 headline is not a calendar-month price.
Confirmed Aug 2026 ·
provider's page
Hormone/TRT
4 charges outside the advertised price, worst first. Compare providers in this category →
Maximus$99.99 per test, or $199.99-$349.99/yearnot included in the advertised price· contradicts their own claim
Lab work
Applies to: all protocol subscribers
The bundle is defined as medication, doctor consultations, ongoing monitoring and 24/7 messaging. Labs are absent from that list and sold separately.
Confirmed Aug 2026 ·
provider's page
Medication
Applies to: anyone prescribed
Testosterone cream $60/mo, troches $60/mo, enclomiphene $42/mo, clomiphene $38/mo, billed on top of the membership.
Confirmed Aug 2026 ·
provider's page
Lab work
Applies to: patients using clinic labs
Patients can supply outside labs or run them through the clinic for $129. Not re-confirmed in the August 2026 refresh because trtnation.com blocks automated verification at IP level.
Confirmed Apr 2026 ·
provider's page
Labs, supplements and prescriptions
Applies to: all members
The $299 Guided Optimization fee is one-time with no recurring membership. Everything else is billed separately at member-discounted rates.
Confirmed Aug 2026 ·
provider's page
Verified with no hidden fees
Defy MedicalNo membership fee
No monthly fee, no subscription and no contract. Services are paid for at the time of purchase.
Confirmed Aug 2026 ·
provider's page
Fountain TRTAll-inclusive
$199/month covers medication, video visits and ongoing medical support. No hidden fees, cancel anytime.
Confirmed Aug 2026 ·
provider's page
Henry MedsAll-inclusive
One monthly payment covers the provider visit, medication, supplies, labs and ongoing care, with an aromatase inhibitor at no extra cost where appropriate.
Confirmed Aug 2026 ·
provider's page
Gut Microbiome
4 charges outside the advertised price, worst first. Compare providers in this category →
Member rate is a different product
Applies to: anyone comparing the two prices
The $169 member rate is not a discount on the $249 test. It is a standalone kit without the consult call, sold only to members, so membership is a prerequisite purchase.
Confirmed Aug 2026 ·
provider's page
Precision Supplements
Applies to: anyone acting on the results
A separate monthly subscription, explicitly not included with either test.
Confirmed Aug 2026 ·
provider's page
Membership required
Applies to: anyone buying the test
The Gut Health Test (GBP 149) is sold only with a ZOE Membership and cannot be bought on its own. ZOE testing is not currently available in the US.
Confirmed Aug 2026 ·
provider's page
Third-party physician fee
Applies to: direct consumer orders
Added to each direct order at connect.gdx.net in place of your own doctor's order.
Confirmed Aug 2026 ·
provider's page
Sleep Tracking
1 charge outside the advertised price, worst first. Compare providers in this category →
Autopilot subscription required for the first year
Applies to: every Pod purchase
The Pod product FAQ says Autopilot is required for the first 12 months (cancel any time after) and covers two users per Pod. Autopilot is billed annually: Standard $199, Enhanced $299, Elite $399. The checkout summary we saw paired the Pod with Enhanced Autopilot at $299.
Confirmed Sep 2026 ·
provider's page
Longevity/Biological Age
1 charge outside the advertised price, worst first. Compare providers in this category →
Subscription price is a limited-time promotion
Applies to: annual subscribers
The TruAge product page labels the annual subscription (4 tests at $249.50 each, $998 billed today, renews annually) as LIMITED TIME - 50% OFF. The one-time price is $499 per test, and the page does not say what the subscription renews at once the promotion ends.
Confirmed Sep 2026 ·
provider's page
DNA/Genetic Testing
2 charges outside the advertised price, worst first. Compare providers in this category →
Carrier status and pharmacogenetics
Applies to: Premium subscribers
Not included in the Premium Ancestry + Health subscription.
Confirmed Aug 2026 ·
provider's page
Renewal price step
Applies to: all subscribers
The advertised price is a first-year rate. The subscription renews at a different figure.
Confirmed Aug 2026 ·
provider's page
DEXA Body Composition
3 charges outside the advertised price, worst first. Compare providers in this category →
No national price
Applies to: all customers
Each franchise location sets its own price and DexaFit's pricing page sends you to your nearest site. Verified single scans ran from $90 (Omaha) to $150 (Minneapolis). Memberships exist only at some locations and are priced locally (Louisville $89.99/mo, Las Vegas $125/quarter).
Confirmed Aug 2026 ·
provider's page
Price set by partner site
Applies to: all customers
Fitnescity books scans at third-party sites and states its DEXA scans range from $100 to $330 depending on the site. The New York City price was $255.
Confirmed Sep 2026 ·
provider's page
Price set by location
Applies to: all customers
The pricing page states that pricing varies by location. Verified single scans were $65 in Austin and $75 in Chicago and Denver.
Confirmed Aug 2026 ·
provider's page
Verified with no hidden fees
BodySpecMembership optional
The $59.95 single scan needs no membership. Monthly and quarterly plans can be cancelled anytime, and scan credits never expire and can be transferred.
Confirmed Sep 2026 ·
provider's page
Fertility Testing
2 charges outside the advertised price, worst first. Compare providers in this category →
Lab work on consultations
Applies to: Fertility Consultation patients
The $300 out-of-pocket consultation excludes labs, which are billed separately and are billable to most major insurers.
Confirmed Aug 2026 ·
provider's page
Not insurance-reimbursable
Applies to: Pulse Assessment buyers
The $99 Pulse Assessment cannot be submitted for insurance reimbursement.
Confirmed Aug 2026 ·
provider's page
Cancer Screening
No charges outside the advertised price recorded for this category yet.Compare providers in this category →
Cardiac Imaging
2 charges outside the advertised price, worst first. Compare providers in this category →
Coronary calcium score
Applies to: anyone buying the full-body CT for heart screening
The $2,495 full body CT covers chest, abdomen and pelvis. The coronary calcium score is a separate Heart Scan.
Confirmed Aug 2026 ·
provider's page
Cardiac add-ons
Applies to: CORE members wanting cardiac imaging
CORE $10,500 covers diagnostics only. CCTA imaging $900 and full-body MRI with AI overlay $2,000 are a la carte. Prices are no longer shown on the membership page.
Confirmed Aug 2026 ·
provider's page