Will health insurance cover the costs of genetic testing?

In many cases, health insurance plans will cover the costs of genetic testing when it is recommended by a person's doctor. Health insurance providers have different policies about which tests are covered, however. A person may wish to contact their insurance company before testing to ask about coverage.

Some people may choose not to use their insurance to pay for testing. Instead, they may opt to pay out-of-pocket for the test or pursue direct-to-consumer genetic testing, if available. People considering genetic testing may want to find out more about their state's privacy protection laws before they ask their insurance company to cover the costs. (Refer to What is genetic discrimination? for more information.)

For more information about insurance coverage of genetic testing:

The National Human Genome Research Institute provides information about Coverage and Reimbursement of Genetic Tests.

Topics in the Genetic Testing chapter

The information on this site should not be used as a substitute for professional medical care or advice. Contact a health care provider if you have questions about your health.

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