Chlamydia rates in Monmouth County are about 51% lower than the US average. Whether you have symptoms or just want peace of mind, consider your options in Lake Como, New Jersey. Clinics may bill insurance or offer sliding-scale fees, while private labs let you pay a flat self-pay price. To learn more, see the options below.
Available testing centers
7 testing options are listed for Lake Como, NJ. The nearest, Quest Diagnostics, is about 2.7 miles away. Compare community and public clinics, private labs, and at-home kits below.
Listings tagged Community health center are federally funded health centers and rural clinics that treat everyone regardless of insurance or ability to pay: required to bill on a sliding fee scale and provide confidential care, and in many states minors may consent to their own STI testing. A Title X tag flags centers funded for confidential family-planning services; confirm current participation when you call.
Source: CMS FQHC & Rural Health Clinic enrollment files (data.cms.gov), refreshed quarterly. Title X status reflects the latest OPA grantee list.
Hackensack Meridian Health in Neptune runs STI care by appointment, covering gonorrhea, chlamydia, syphilis, and rapid HIV testing on a sliding-scale fee: same-visit treatment for bacterial infections, PrEP, and HPV and hepatitis A and B vaccines, all at no cost to patients.
When cost becomes the reason someone delays a follow-up or skips treatment altogether, an infection persists and a partner goes unnotified. At Hackensack Meridian Health, every service (testing, treatment, vaccines, PrEP) is provided at no fee, so cost never becomes that reason.
A missed nuance during a diagnosis conversation can mean a missed dose, a misunderstood treatment course, or a prevention option never seriously considered. Hackensack Meridian Health delivers care directly in Spanish, so nothing critical gets lost between instruction and understanding.
Ryan White Program funding at Hackensack Meridian Health supports HIV care as a continuous arc, from initial rapid testing through ongoing HIV/AIDS medical treatment and medication adherence counseling, ensuring that a positive result connects to sustained, managed care within the same program rather than fragmenting across systems.
Languages
English, Spanish
Tests offered
Serves
Care services
Prevention services
Fees & payment
Listing verified Feb 2026 · Source: CDC NPIN
VNA of Central Jersey Community Health Center in Asbury Park tests for gonorrhea, chlamydia, syphilis, herpes, hepatitis A, B, and C, rapid and conventional HIV, and TB. With same-visit treatment for bacterial infections and gonorrhea or chlamydia confirmed on the spot. Every service runs on a sliding scale, and appointments are required.
An untreated bacterial STI rarely traces back to ignorance, it traces back to a cost that made someone pause between the test and the prescription. At VNA of Central Jersey Community Health Center, no fee attaches to any service: the test, the treatment, the follow-up counseling, none of it.
Many clinics offer Spanish as an administrative convenience, a form, a sign, a workaround that stops short of the clinical conversation itself. At VNA of Central Jersey Community Health Center, Spanish is a full service language across care delivery, so medical history, treatment decisions, and counseling happen without a gap between what is said and what is understood.
Ryan White Program funding at VNA of Central Jersey Community Health Center covers the continuum from a reactive rapid HIV test through ongoing HIV/AIDS medical treatment and medication adherence counseling, meaning the funding structure that keeps antiretroviral therapy in reach is already built into how this clinic operates, not arranged after the fact.
Languages
English, Spanish
Tests offered
Serves
Care services
Prevention services
Fees & payment
Listing verified Aug 2025 · Source: CDC NPIN + HRSA
VNACJ Prevention Resource Network in Asbury Park is a community health clinic offering walk-in STI screening (syphilis, gonorrhea, chlamydia, and HIV) at no cost, removing the financial barrier entirely so anyone can get tested regardless of income.
Languages
English, Spanish
Tests offered
Serves
Prevention services
Fees & payment
Listing verified Dec 2025 · Source: CDC NPIN
Free tool · not a clinic
Testing too soon can miss an infection. Enter the date of possible exposure to see the earliest a test can reliably detect each STI.
| Infection | Earliest reliable test | Conclusive after |
|---|---|---|
| Chlamydia | 7 days after exposure | 14 days after exposure |
| Gonorrhea | 7 days after exposure | 14 days after exposure |
| Trichomoniasis | 7 days after exposure | 28 days after exposure |
| HIV (NAT / RNA) | 10 days after exposure | 33 days after exposure |
| HIV (4th-gen Ag/Ab) | 18 days after exposure | 45 days after exposure |
| HIV (antibody) | 21 days after exposure | 84 days after exposure |
| Syphilis | 21 days after exposure | 42 days after exposure |
| Hepatitis B | 21 days after exposure | 42 days after exposure |
| Hepatitis C | 56 days after exposure | 77 days after exposure |
| Herpes (HSV) | 28 days after exposure | 112 days after exposure |
Guidance only, confirm timing with a clinician. A negative result before the conclusive date may need a repeat test.
Typical out-of-pocket ranges by option, actual cost depends on which tests you need.
Public / community clinic
Free HIV testing is common
Private lab (self-pay)
Never billed to insurance
At-home kit
Mailed to your door, private
Doctor / urgent care
Often $0 preventive with insurance
No centers match those filters. Clear the service-type filter or the opening-hours filters to see every center.
Every other option
Beyond the dedicated testing centers above: at-home kits by mail, hospital labs certified for STI testing, local clinicians who can order a panel during a regular visit, pharmacies for self-test kits and prescriptions, and online PrEP & treatment.
Test from home
The nearest testing center is about 3 miles away; if you'd rather skip the trip, an at-home kit ships to Lake Como, you collect the sample privately, and mail it back to a CLIA-certified lab. Results come online in days, with a clinician available if anything is positive. Same labs as a clinic, no waiting room, and you can read how accurate at-home STD tests are before you order.
Want a free option first? The CDC-supported TakeMeHome (opens in a new tab) program mails free at-home HIV self-test kits, and, in many areas, free STI kits, to your door, with no insurance or payment needed. The paid kits below add broader panels and faster turnaround.
In-home collection
$79 & up
Best for simplicity & support
$89 & up
Best value: single tests
$49 & up
Every kit uses CLIA-certified labs. At-home testing is for screening; a reactive result should be confirmed and treated by a clinician. Prices and panels shown are illustrative and change often, confirm current details on the provider's site.
Also in the area
Beyond the public testing sites above, these federally certified (CLIA) labs serve Monmouth County, each lab's town is shown on its card below. Many test through a doctor's order or by appointment rather than walk-in, so call ahead to confirm STD/STI testing and availability before visiting.
1000 Route 35, Middletown, NJ 07748
CMS-certified lab
901 West Main Street, Freehold, NJ 07728
CMS-certified lab Accredited · College of American Pathologists
4 Hartford Drive, Tinton Falls, NJ 07701
CMS-certified lab
Source: CMS CLIA registry (Provider of Services), Q1 2026. Federal public records: active CLIA-certified laboratories near Lake Como. A CLIA certificate records only that a laboratory is federally certified — it does not confirm the site performs STD testing, nor its hours, price or access. Inclusion is not an endorsement; always call to verify.
Local clinicians
Beyond dedicated clinics, 1,535 primary-care, OB-GYN, infectious-disease and other clinicians have a CMS practice record within 30 miles of Lake Como. They may be able to evaluate symptoms or order a confidential STD panel during a regular visit, and 535 offer telehealth.
Joseph Mannion, MD
Internal medicine · 123 Main Street, Avon By The Sea
Ginja Morreale, MD
OB-GYN · 1945 State Hwy 33, Neptune
Blair Gumnic, DO
OB-GYN · 1945 Route 33, Neptune
Maria Martins, MD
OB-GYN · 19 Davis Avenue, Neptune
Stephanie Sansone, MD Telehealth
OB-GYN · 19 Davis Avenue, Neptune
Jeremy Levin, MD
Infectious disease · 19 Davis Avenue, Neptune
These are registry-listed clinicians, not dedicated STD-testing clinics. CMS records do not independently verify current licensure, testing services, availability, price, or new-patient status. Confirm each detail before booking. Source: CMS Doctors & Clinicians.
Nearby pharmacies
No pharmacy near Lake Como, NJ publishes an STD-related service or holds a current CLIA testing certificate, so these are simply the closest. Contact a location directly to confirm counter hours, services, prices, and availability before visiting.
0.4 mi Chinraj-Belmar
0.7 mi
0.7 mi 
0.7 mi Shoprite Pharmacy
1.0 miSaker Shoprites
1.0 miShowing the 6 closest pharmacies to Lake Como, NJ.
Directory records identify nearby pharmacies. Service, stock, price, and hours information is shown only when supported by current location-specific evidence.
Prevention & treatment
Testing is one step. For residents of Lake Como, telehealth covers the rest: HIV-prevention medication (PrEP) and DoxyPEP to lower future risk, and discreet online treatment if a result comes back positive. All prescribed by licensed U.S. clinicians.
Visit from $39
Online STI treatment & DoxyPEP: same-day prescriptions to your pharmacy
Visit from $0 insured
Telehealth STI treatment and sexual-health care, delivered or to your pharmacy
$0 with most insurance
Free online PrEP & DoxyPEP: HIV prevention, home lab kits, no in-person visit
From $0 insured
Telehealth PrEP & DoxyPEP with at-home testing and ongoing monitoring
Pricing varies by insurance and changes often, confirm on the provider's site. These services are not a substitute for emergency care.
STD stats & rates
How reported STI rates in Monmouth County, the county that includes Lake Como, compare with New Jersey and U.S. averages, based on the most recent 2023 surveillance data. An estimated ~32% of residents are aged 15–34 (ACS), the age group with the highest reported chlamydia and gonorrhea rates nationally.
#13 of 21 New Jersey counties for chlamydia, a higher rate than 38% of the state
| Infection | Monmouth County | New Jersey | United States |
|---|---|---|---|
| Chlamydia | 240.7 1,547 cases ▼ 37% | 384.1 | 492.2 |
| Gonorrhea | 45.4 292 cases ▼ 58% | 109.1 | 179.5 |
| Syphilis (P&S) | 6.4 41 cases ▼ 21% | 8.1 | 15.8 |
| Syphilis (early) | 5.6 36 cases ▼ 46% | 10.4 | 16 |
| Syphilis (late/unknown) | 3.4 22 cases ▼ 79% | 16 | 29.5 |
Rates per 100,000 population, 2023. Source: CDC NCHHSTP AtlasPlus (county, state & U.S., all-ages basis). Population figures: U.S. Census Bureau ACS. These figures are the latest available surveillance estimates. Bars are scaled to the highest rate shown.
Reading these numbers: reported case rates only count infections that were actually tested for and diagnosed, so they track local screening effort as much as true spread: a higher rate can reflect more testing, a lower one less. Either way, most STIs cause no symptoms, so treat the figures above as context rather than a verdict, and test on the CDC's schedule regardless of how your area looks.
Between 2020 and 2023 in Monmouth County, chlamydia has risen from 212.7 to 240.7 per 100,000 (13%), gonorrhea has fallen from 45.8 to 45.4 per 100,000 (1%), and P&S syphilis has fallen from 6.8 to 6.4 per 100,000 (6%).
The 2020 dip reflects reduced pandemic-era screening, not lower transmission. Source: CDC NCHHSTP AtlasPlus (county, state & U.S., all-ages basis).
Community health context
Sources: CDC PLACES (ZIP), County Health Rankings, CDC/ATSDR SVI, HRSA HPSA, HRSA MUA/P, Neighborhood Atlas ADI. Lower insurance coverage, fewer routine checkups, and a thin primary-care ratio all raise the value of low-cost public clinics and at-home testing in Monmouth County.
Local HIV snapshot
Monmouth County HIV care continuum (2023)
Monmouth County recorded 7.1 new HIV diagnoses per 100,000 (2023), against 11.9 statewide and 13.7 nationally. Among Monmouth County residents living with HIV, 74.1% are in care · 65.9% are virally suppressed. Early, routine testing is what moves these numbers: it is the entry point to PrEP, treatment, and viral suppression.
Sources: AIDSVu (Emory/Gilead) · CDC AHEAD · CDC AtlasPlus · CDC NCHHSTP AtlasPlus (county care continuum). The CDC recommends everyone aged 13–64 test for HIV at least once: every lab and clinic listed above offers HIV testing, and free rapid HIV testing is available at a local health department.
Congenital syphilis, passed from parent to baby in pregnancy, is the fastest-rising STI in the country. U.S. cases climbed from 2,163 in 2020 to 3,882 in 2023. It is almost entirely preventable: the CDC recommends a syphilis test at the first prenatal visit, and every clinic and lab listed for Monmouth County tests for syphilis.
Source: CDC NCHHSTP AtlasPlus, 2023 (county-level congenital syphilis is not published).
Local resources & officials
Data & references
Local context
Route 71 cuts through a Lake Como that skews decisively toward owned homes and married households, the kind of place where health decisions often get folded into busy family schedules rather than made on the fly. With nearly half of households earning above six figures and most working adults in the labor force, the practical barrier to getting tested isn't usually cost; it's carving out time when work, kids, and a mortgage's worth of weekend obligations are already filling the calendar. That household rhythm matters especially for younger adults in their late teens and twenties, who move through relationships and life transitions at a pace that makes routine screening easy to defer.
Monmouth County's STI figures give this community a real reference point. Living near Marucci Memorial Park or along the Neptune Township edge of town means sharing a county profile that rewards staying current, not as a precaution against some abstract risk, but because the numbers reflect what's actually circulating in the communities people here already move through every day.
Getting there
Lake Como scores 10.85/20 on the EPA walkability index, so many trips are walkable or a short ride, though a car still gives you the widest choice of testing centers.
Source: EPA National Walkability Index 2021.
Lake Como sits in Monmouth County, ZIP 7719. Local context that shapes where residents test:
Local landmarks
Neighborhoods & communities
Major routes
Nearby cities & towns
Just outside Lake Como? These nearby communities have their own testing guides: clinics, at-home kits, and free screening close to home.
Reference
Everything to know before you test in Monmouth County: the CDC's screening guidelines, each infection's detection window, per-test reference prices, and your privacy rights under New Jersey law. If you have symptoms right now, our confidential symptom checker maps them to the tests worth considering.
Based on current CDC screening recommendations.
| Group | Tests | How often |
|---|---|---|
| Everyone aged 13–64 | HIV | At least once |
| Sexually active women under 25 | Chlamydia, gonorrhea | Every year |
| Women 25+ with new or multiple partners | Chlamydia, gonorrhea | Every year |
| Pregnant people | HIV, syphilis, hepatitis B & C, chlamydia | Early in pregnancy |
| Gay & bisexual men (MSM) | Chlamydia, gonorrhea, syphilis, HIV | Every 3–6 months |
| Anyone who shares injection equipment | HIV, hepatitis B & C | At least yearly |
| All adults at least once | Hepatitis C | At least once |
Testing too early can return a false negative, confirm timing with a Lake Como-area provider.
| Infection | Earliest reliable test | Sample |
|---|---|---|
| Chlamydia | 1–2 weeks | Urine or swab |
| Gonorrhea | 1–2 weeks | Urine or swab |
| Trichomoniasis | 1–4 weeks | Urine or swab |
| HIV (NAT / RNA) | 10–33 days | Blood |
| HIV (4th-gen Ag/Ab) | 18–45 days | Blood |
| HIV (antibody) | 3–12 weeks | Blood / oral |
| Syphilis | 3–6 weeks | Blood |
| Hepatitis B | 3–6 weeks | Blood |
| Hepatitis C | 8–11 weeks | Blood |
| Herpes (HSV) | 4–16 weeks (antibody); swab a sore | Blood / swab |
These are the federal Medicare reference prices for processing each lab test. Public clinics and the community health centers serving Lake Como often test free or on a sliding scale; private labs and at-home kits bundle several tests into one fee. Use this as a per-test benchmark before you pay out of pocket, or see the full guide to STD test costs for insurance, free, and at-home options.
| Test | Reference price | CPT / HCPCS |
|---|---|---|
| Chlamydia (NAAT) | $47.80 | 87491 |
| Gonorrhea (NAAT) | $47.80 | 87591 |
| Trichomoniasis (NAAT) | $47.76 | 87661 |
| HIV-1/2 antigen/antibody | $26.87 | 87389 |
| HIV-1/2 antibody | $22.44 | 86703 |
| Syphilis (RPR/VDRL) | $5.61 | 86592 |
| Syphilis (treponemal antibody) | $17.49 | 86780 |
| Herpes (HSV NAAT) | $47.76 | 87529 |
| Hepatitis B surface antigen | $15.33 | 87340 |
| Hepatitis C antibody | $29.16 | 86803 |
Source: Medicare Clinical Laboratory Fee Schedule, CMS, 2025 rates (data.cms.gov). Reference rate for the lab assay only: a clinic visit, sample collection, or a bundled multi-test panel may cost more. Medicaid and most insurers cover STD screening at no out-of-pocket cost.
Two things that actually depend on New Jersey law: who can consent, and whether partners can be treated without their own visit. Everything else about testing privately is the same nationwide (see below).
In New Jersey, a minor can consent to confidential STI testing and treatment at any age, and to HIV testing at age 13 or older; a provider may notify a parent, and must do so where sexual assault is involved.
New Jersey permits Expedited Partner Therapy (EPT): if you test positive for chlamydia or gonorrhea, your provider can give you medication (or a prescription) to pass to your partner, no separate exam or appointment needed for them.
Keeping a test private works the same in every state. Whether an STD test shows on insurance (the EOB), how to test anonymously, and self-pay options that leave no insurance trail don’t change by location.
Learn more about confidential STD testing in New JerseySource: Guttmacher Institute, Minors' Access to STI Services; CDC, Legal Status of Expedited Partner Therapy. General information, not legal advice.
Good to Know
Answers to the questions people ask most before getting tested.
There are 7 options within a 30-mile drive.
Usually yes, it can be billed to insurance, or paid out of pocket at a flat rate.
Hackensack Meridian Health, about 3.1 mi away, provides free testing.
A full panel typically covers chlamydia, gonorrhea, syphilis, HIV, and hepatitis B and C.
Monmouth County reported ~241 chlamydia cases per 100,000 in 2023, below the New Jersey average.
In New Jersey, people under 18 can consent to confidential STD testing and treatment on their own.
Yes, PrEP, a daily pill that helps prevent HIV in HIV-negative people, is available in the area.
Yes, site matters; oral/anal exposure needs a throat or rectal swab, which urine testing won't catch.
Reassuring if you tested after the window, just retest if it was early, and screen again with new partners.
Get treated, notify partners, pause sex until cleared, and follow up, the infection is manageable.
Have a different question? Browse the full STD & STI FAQ library, every question we answer, in one place.