Just to make one thing clear, a PAP does not test for ANY STD's at all. The only thing a pap detects are cervical cell changes, which can be caused by an STD, but it is possible to have an STD for months, or even years, before it damages your cervix enough for the change to show on a PAP. That being said, Planned Parenthood is GREAT. They do take insurance also, so if you have insurance, you would only pay whatever co-pay you generally pay at your gyn. If you don't have insurance, they charge on a sliding scale based on your income level. I have found all the workers at Planned Parenthood to be so nice , that I have been thinking of just going to them for all my gyn needs, instead of my regular gyn.