Bay County reports about 30 new HIV diagnoses per 100,000 residents, well above the US average. You might want to test whether you have symptoms or just want peace of mind in Panama City, Florida. In-person clinic visits give you access to a provider, but at-home kits let you collect a sample on your own schedule. Explore your options below.
Available testing centers
11 testing options are listed for Panama City, FL. The nearest, PanCare Health - Panama City, is about 2.6 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.
A safety-net federally qualified health center about 3 miles from Panama City. Sliding-scale STD testing and care are typical here, call ahead to confirm the exact panel and pricing.
Tests offered
Fees & payment
A community safety-net federally qualified health center about 3 miles from Panama City. Sliding-scale STD testing and care are typical here, call ahead to confirm the exact panel and pricing.
Tests offered
Fees & payment
PanCare of Florida in Panama City requires an appointment and covers the full standard panel (HIV, syphilis, gonorrhea, chlamydia, herpes, and hepatitis A, B, and C) on a sliding-scale fee, with same-visit treatment for bacterial infections and HPV and hepatitis A and B vaccines available.
Leaving PanCare of Florida without answers on herpes or hepatitis means booking a separate visit somewhere else, possibly weeks out, possibly at additional cost, possibly never. PanCare of Florida tests herpes, hepatitis A, B, and C alongside the standard four, so a single appointment in Panama City closes the loop instead of opening a new one.
Ryan White Program funding at PanCare of Florida supports not just the initial HIV test but the clinical infrastructure behind ongoing care: antiretroviral prescribing, viral load monitoring, and medication adherence counseling for people living with HIV. The funding ties testing and long-term HIV management to the same Panama City care team.
Languages
English
Tests offered
Care services
Prevention services
Fees & payment
Listing verified Nov 2025 · Source: CDC NPIN + HRSA
Basic NWFL, serving Panama City as a federally qualified community health clinic, ties sliding-scale STI fees directly to income: meaning the same syphilis, gonorrhea, chlamydia, and HIV testing is within reach regardless of what someone earns. Ryan White funding further supports HIV care for those who qualify.
Languages
English
Tests offered
Serves
Prevention services
Fees & payment
Listing verified Aug 2025 · Source: CDC NPIN
Florida Department of Health in Bay County, Panama City's public health department clinic, tests for HIV, syphilis, gonorrhea, chlamydia, herpes, and hepatitis A, B, and C, with same-visit treatment for bacterial infections, on a sliding scale, with walk-ins welcome and every service provided at no fee.
Plenty of sliding-scale clinics still leave patients covering something after the visit. At Florida Department of Health in Bay County, the fee structure runs all the way to zero (testing, treatment, vaccines, PrEP, counseling) none of it generates a bill.
Many clinics in the area handle Spanish through a workaround rather than staff who speak it. Florida Department of Health in Bay County delivers care directly in Spanish, so nothing about symptoms, treatment, or next steps gets lost between a patient and their provider.
Florida Department of Health in Bay County prescribes both PrEP and PEP directly, meaning ongoing HIV prevention doesn't require a separate specialist visit or a second relationship with another provider to maintain access.
Languages
English, Spanish
Tests offered
Serves
Care services
Prevention services
Fees & payment
Listing verified Apr 2026 · Source: CDC NPIN
PanCare Health Gulf Coast in Panama City carries federally qualified status, meaning its sliding-scale fees are tied to income, so anyone paying out of pocket, between insurance plans, or simply watching costs can get screened for syphilis, gonorrhea, and chlamydia without an appointment.
Tests offered
Fees & payment
PanCare Youngstown, a federally qualified health center in Youngstown, ties STI screening to a sliding-scale fee structure built for people paying out of pocket, between insurance plans, or simply watching costs. Walk-ins are welcome, and standard screening covers syphilis, gonorrhea, and chlamydia.
Tests offered
Fees & payment
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 Panama City, 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 range: couples & full panels
$79 & 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 Bay 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.
615 North Bonita Ave Clinical Laboratory, Panama City, FL 32401
CMS-certified lab Accredited · Joint Commission
449 West 23rd Street, Panama City, FL 32405
CMS-certified lab Accredited · College of American Pathologists
449 West 23rd Street, Panama City, FL 32405
CMS-certified lab Accredited · College of American Pathologists
3711 US Hwy 231, Panama City, FL 32404
CMS-certified lab Accredited · College of American Pathologists
2505 Harrison Ave 2nd Floor, Panama City, FL 32405
CMS-certified lab
Showing the nearest 5 CLIA-certified labs.
Source: CMS CLIA registry (Provider of Services), Q1 2026. Federal public records: active CLIA-certified laboratories near Panama City. 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, 120 primary-care, OB-GYN, infectious-disease and other clinicians have a CMS practice record within 30 miles of Panama City. They may be able to evaluate symptoms or order a confidential STD panel during a regular visit, and 25 offer telehealth.
Muhammad Shaaban, MD
Family medicine · 2306 Martin Luther King Jr Boulevard, Panama City
Michael Sanchez, DO
Family medicine · 3711 North Hwy 231, Panama City
Maria Tedtaotao, MD Telehealth
Family medicine · 1303 Mosley Drive, Lynn Haven
Jigish Patel, MD
Internal medicine · 3228 East 15th Street, Panama City
Rosa Bernier, MD
Family medicine · 2235 East 15th Street, Panama City
Albert Mapp, MD
Family medicine · 489 North Tyndall Parkway, Panama City
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 Panama City, FL 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.
2.3 mi Pancare of Florida
2.7 mi
2.8 mi 
3.0 mi Gulf Coast Pharmacy
3.1 miShowing the 5 closest pharmacies to Panama City, FL.
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 Panama City, 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
$0 with most insurance
Free online PrEP & DoxyPEP: HIV prevention, home lab kits, no in-person visit
Visit from $0 insured
Telehealth STI treatment and sexual-health care, delivered or to your pharmacy
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 Bay County, the county that includes Panama City, compare with Florida and U.S. averages, based on the most recent 2023 surveillance data. An estimated ~28% of residents are aged 15–34 (ACS), the age group with the highest reported chlamydia and gonorrhea rates nationally.
#24 of 67 Florida counties for chlamydia, a higher rate than 64% of the state
| Infection | Bay County | Florida | United States |
|---|---|---|---|
| Chlamydia | 457.6 873 cases ▼ 8% | 498.9 | 492.2 |
| Gonorrhea | 161.5 308 cases ▼ 22% | 206.7 | 179.5 |
| Syphilis (P&S) | 16.8 32 cases ▼ 13% | 19.3 | 15.8 |
| Syphilis (early) | 8.4 16 cases ▼ 67% | 25.1 | 16 |
| Syphilis (late/unknown) | 31.5 60 cases ▼ 16% | 37.7 | 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 Bay County, chlamydia has risen from 419.5 to 457.6 per 100,000 (9%), gonorrhea has risen from 153.5 to 161.5 per 100,000 (5%), and P&S syphilis has risen from 10.3 to 16.8 per 100,000 (63%).
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 Bay County.
Local HIV snapshot
Bay County HIV care continuum (2023)
Bay County recorded 29.6 new HIV diagnoses per 100,000 (2023), against 22.7 statewide and 13.7 nationally. Among Bay County residents living with HIV, 82.4% are in care · 76.5% 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 Bay County tests for syphilis.
Source: CDC NCHHSTP AtlasPlus, 2023 (county-level congenital syphilis is not published).
Local resources & officials
Data & references
Local context
US 98 cuts through Panama City as both East 15th Street and North Tyndall Parkway, and depending on which stretch you're on, a clinic visit can mean threading through beach traffic or industrial corridors. Neither invites a casual detour. That drive reality lands differently when roughly half the city rents, with typical monthly costs around $945, leaving little budget slack for out-of-pocket lab fees or an afternoon off work to sit in a waiting room. The city's employment picture adds texture: labor-force participation is notably below national norms, and unemployment runs higher than Florida's average, which means irregular schedules are common: people working split shifts, piecing together gigs, or between jobs altogether.
For younger adults in their late teens and twenties, who nationally account for the lion's share of new STI diagnoses, that scheduling unpredictability is often what stands between intention and follow-through. Households here also tend to be larger than the Florida average, which can mean shared transportation, childcare constraints, and less private time to pursue health appointments quietly. The listed options on this page, spread across a city where walking to a clinic isn't really an option, exist precisely to help residents in areas like Hawk's Landing or near the Lynn Haven Parkway corridor find something geographically workable at a price point that doesn't require choosing between a test and rent.
Getting there
Panama City scores 12.61/20 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.
ZIP 32404 snapshot
ZIP-level Census figures for the wider 32404 area around Panama City: a single ZIP can span several communities, so they describe the area, not Panama City alone.
Panama City sits in Bay County, ZIP 32404. Local context that shapes where residents test:
Local landmarks
Neighborhoods & communities
Major routes
Nearby cities & towns
Just outside Panama City? 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 Bay County: the CDC's screening guidelines, each infection's detection window, per-test reference prices, and your privacy rights under Florida 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 Panama City-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 Panama City 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 Florida 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 Florida, a minor of any age can consent to confidential STI testing and treatment on their own, no parental permission is required.
Florida 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 FloridaSource: 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.
Possibly, Lynn Haven, FL is close; compare it by distance against PanCare Health - Panama City.
Public clinics are free; private labs ~$24–$139, at-home kits $49+.
Yes, Florida Department of Health in Bay County (4.6 mi) offers free testing, and public clinics serve the uninsured.
Local options test for Chlamydia, Gonorrhea, Syphilis, Herpes, Hepatitis A, Hepatitis B, Hepatitis C, Rapid HIV, a full panel covers the common ones.
About 458 cases per 100,000 residents (2023), below the Florida average.
Yes, at-home kits ship to 32404; you collect a sample, mail it back, and get results in about 2–5 days.
In Florida, people under 18 can consent to confidential STD testing and treatment on their own.
PrEP (HIV-prevention medicine for HIV-negative people) is available locally, any provider can prescribe it.
Yes, partners should test and be treated together to avoid passing it back and forth.
Start treatment, tell recent partners so they can test, avoid sex until cleared, and retest if advised, most STIs resolve with care.
Have a different question? Browse the full STD & STI FAQ library, every question we answer, in one place.