Would my insurance cover the bill for std testing having only to pay 15dollar co-pay?if i don't know what std i should be looking for is there a standard std test that covers everything?

Usually : Predicting insurance coverage is always a challenge but std testing is very basic & an important part of preventative care. Normal std testing includes gonorrhea, chlamydia, hiv, syphilis &trichomoniasis. Herpes and hepatitis can be included if needed. Herpes testing has challenges. At age 20 you probably have been vaccinated for hep b. Don't be afraid to ask for specifics at your visit.

Yes and no: Most insurances will pay for std testing. The percentage you have to pay will depend on your plan.