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Our all-round blood-panel pick

Function Membership

Annual membership, $365 first year, charged annually

$365 for the first yearUS price, checked Oct 13, 2026

Twice-yearly lab panel membership with clinician review

Check price at Function Health Full review →

Blood test membership

InsideTracker Membership + Ultimate Blood Test

US/Canada new-customer bundle: annual membership plus one Ultimate blood test, $489

$489US price, checked Oct 13, 2026

Blood test of up to 54 biomarkers plus a yearly Action Plan membership

Check price at InsideTracker Full review →

Criterion	Function Membership	InsideTracker Membership + Ultimate Blood Test
US price	$365 for the first yearChecked Oct 13, 2026 · Price details in the review	$489Checked Oct 13, 2026 · Price details in the review
Three-year ownership estimate	$1,095 Planning total.	$1,467 Planning total.
Choose if	An adult in one of the 48 states Function serves who wants a broad blood panel twice a year, paid out of pocket, to track over time and discuss with their own clinician.	A US adult near a Quest location who wants one broad panel now and plans to pay $340 per retest to track the same markers every 3 to 6 months.
Main trade-off	It's nonrefundable after 48 hours or once a specimen is collected, the renewal price isn't stated, and imaging, add-on tests and home draws cost extra.	Retests push the yearly cost up fast ($829 a year at two single tests), the store doesn't publish the renewal price or biomarker list, and refunds end once testing is done.
Key specifications	Lab tests: 160+ a year: 100+ at the annual visit, then 60+ more in a follow-up 3 to 6 months later Sample method: Blood draw at a Quest location (about 35 to 85 mL) Home draw: A licensed specialist can draw blood at your home or office in select areas. Function lists it as an advanced add-on test, with no price shown Imaging: MRI and CT aren't included, but members get member pricing. The FAQ lists the Annual MRI at $999 for members and shows no price for the other scans Preparation: Fast for 8 hours before the test Turnaround: First results typically start arriving within 48 hours of testing. The How it works page says results are ready around 2 weeks after an at-home draw appointment Clinician review: Function says clinicians review every result and flag issues. Results include a clinician's summary and action items Membership terms: Billed annually and auto-renews at the then-current price. You can cancel and rejoin anytime but can't pause. Cancellation generally takes effect at the end of the billing cycle Eligibility: Adults 18+ who aren't currently pregnant, in 48 states (not yet Rhode Island, Hawai'i or Puerto Rico). In New York and New Jersey, some lab fees may be billed to you directly by the lab Insurance and HSA/FSA: Function doesn't bill insurance. It lists the membership as HSA/FSA eligible, subject to your plan, with an itemized receipt in your account for reimbursement	Biomarkers: Up to 54 per Ultimate test, though the store pages don't list which ones Sample method: Lab blood draw, most often at Quest Diagnostics. A mobile draw costs $119 extra and is required in NY, NJ, RI, HI, AZ and Canada Preparation: Fast for at least 12 hours and have blood drawn in the morning. Avoid strenuous exercise for 48 hours beforehand, and alcohol and supplements for 24 hours Turnaround: Results on the platform within 7 business days of the blood draw What you get: Biomarker analysis, zero-to-100 scores across 10 healthspan categories and a customizable Action Plan. You can add DNA and fitness-tracker data Membership terms: The annual membership ($149 in the bundle) renews every year, at a price InsideTracker doesn't state. You can cancel any time in your account, effective for the next annual period. Purchased tests must be used within 2 years and can be transferred to someone else Member retests: $340 per Ultimate test, for members only. Packs cost $578 for 2 tests or $1,088 for 4, shown as discounts from $680 and $1,360. InsideTracker suggests retesting every 3 to 6 months Eligibility and payment: Adults 18 and older. Eligible US customers can pay with HSA/FSA funds through Truemed. Insulin testing isn't available in Canada
Exact variant	Annual membership, $365 first year, charged annually	US/Canada new-customer bundle: annual membership plus one Ultimate blood test, $489
Dimensions	No physical product. It's a lab-testing membership.	There's no physical product. It's a blood-test membership.
Installation	No installation. Function says blood is drawn at one of 2,000+ Quest locations across 48 states. In select areas, a licensed specialist can come to your home or office instead. The How it works page lists this home draw among its advanced add-on tests, with no price shown.	No installation. Your blood is drawn at a lab, most often a Quest Diagnostics location, and InsideTracker cites thousands of those across the US. For $119 extra, a mobile phlebotomist comes to you at a time and place you choose. The product page says the mobile draw is required in New York, New Jersey, Rhode Island, Hawaii and Arizona, and for all residents of Canada. Its FAQ lists only the first four of those states.
Materials	Not applicable. Function says it tracks your results in one secure place, with a web login and mobile apps.	Not applicable. You get your results, scores and Action Plan on InsideTracker's online platform.
Warranty	No warranty. Under the terms of service, Function's services come "as is", with no warranties of any kind. Function also doesn't warrant the accuracy, completeness or timeliness of lab results. The FAQ says the membership isn't a replacement for your health benefits or your doctor.	InsideTracker doesn't state a warranty. Its terms say the platform doesn't offer medical advice and isn't a diagnosis of disease.
Returns	Under the terms of service, you can cancel for a full refund within 48 hours of your first purchase. That only applies before any specimen is collected or lab testing is done. After that, the membership and renewals are nonrefundable, and the FAQ says Function doesn't refund prior payments. Cancellation generally takes effect at the end of the billing cycle. You can't pause a membership, though the FAQ says you can cancel and rejoin at any time.	According to InsideTracker's help center, you may be eligible for a full refund within 30 days of your initial purchase if you haven't used your blood or DNA test. Once a blood sample is drawn or a DNA sample is submitted, no refund is available. Purchases more than 30 days old are typically final. InsideTracker may still issue refunds or credits at its sole discretion or as required by law. Refunds go back to the original credit card within 21 business days after support confirms the conditions. The same article says membership purchases aren't eligible for refunds, but you can cancel a membership at any time through your account, effective for the next annual period. It doesn't say how this applies to the membership part of the bundle.
Unresolved questions	Renewal price after the first year How much the lab bills directly in New York and New Jersey Prices for add-on tests, the home draw and imaging other than the Annual MRI Turnaround for the complete panel Which accreditations, such as CLIA or CAP, the testing labs hold What the expired "Function Day offer" changed	Renewal price after the first year Whether the membership part of the bundle can be refunded: the help center says membership purchases are ineligible for refunds, but also that refund requests are limited to 30 days from purchase or renewal Whether Arizona residents must use the mobile draw: the product page says so, but its FAQ lists only New York, New Jersey, Hawaii and Rhode Island Which biomarkers the Ultimate test includes and when fewer than 54 are measured Whether Canadian customers pay the same amounts, and in which currency Whether a clinician reviews individual results: the terms say a licensed clinician may order the tests, without forming a doctor-patient relationship Whether the testing labs hold CAP accreditation Which labs besides Quest are used Prices of add-on tests such as InnerAge, the DNA kit and Healthspan Category Tests

These comparisons use published specifications, not head-to-head tests. Prices and terms are dated. Unknown costs are not zero. Check the exact variant before you buy.