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Full Gene Test For Inherited Tumor Risk

Iowa rates for HCPCS 81321

A laboratory test that reads the entire sequence of a single gene from a blood sample, looking for inherited changes linked to a higher risk of tumors. Reading the whole gene picks up changes anywhere along it, not only at the spots a shorter test checks.

Rates data updated October 2026.

How much does Full Gene Test For Inherited Tumor Risk cost?

$646

Typical negotiated rate. In Iowa, October 2026.

Insurers have agreed to pay about $646 for this service. The price depends on where it is billed: about $603 from a physician practice, and about $871 from a hospital or other facility.

These are rates insurers have negotiated with providers, not the amount a patient is billed. What you owe depends on your plan's deductible and coinsurance. Based on rates published by 8 insurance carriers under federal price transparency rules.

Prices by location type

Billed byTypicalRange
Physician practiceA doctor's office, clinic or independent provider$603$363 to $1,122
FacilityA hospital or hospital-owned outpatient department$871$724 to $1,230

How much rates vary

Facilitymedian $871 · 10th to 90th $603 to $1,585Professionalmedian $603 · 10th to 90th $363 to $1,950
$500$1K$2Kfacility $871professional $603

Distribution of negotiated rates across all payers (price axis is log-scale). Need provider-level prices or 24+ months of history? Contact us.

Rates by insurance carrier

Insurance Carrier
Aetna
Setting
Facility
Modifier
None
Typical Low
$467.74
Median
$1,258.93
Typical High
$1,698.24
Aetna
Setting
Professional
Modifier
None
Typical Low
$467.74
Median
$467.74
Typical High
$724.44
Cigna
Setting
Professional
Modifier
None
Typical Low
$741.31
Median
$1,148.15
Typical High
$1,445.44
Hally Health
Setting
Professional
Modifier
None
Typical Low
$588.84
Median
$758.58
Typical High
$1,047.13
Medica
Setting
Facility
Modifier
None
Typical Low
$602.56
Median
$870.96
Typical High
$1,380.38
Medica
Setting
Professional
Modifier
None
Typical Low
$363.08
Median
$724.44
Typical High
$3,019.95
Midlands
Setting
Professional
Modifier
None
Typical Low
$741.31
Median
$741.31
Typical High
$794.33
Oscar Health
Setting
Professional
Modifier
None
Typical Low
$602.56
Median
$645.65
Typical High
$1,288.25
United
Setting
Facility
Modifier
None
Typical Low
$602.56
Median
$602.56
Typical High
$1,548.82
United
Setting
Professional
Modifier
None
Typical Low
$363.08
Median
$363.08
Typical High
$1,230.27
Wellmark
Setting
Professional
Modifier
None
Typical Low
$602.56
Median
$602.56
Typical High
$602.56
2 more rates with less common billing modifiers

A modifier changes what was billed, for example a reduced or repeated service. Each of these modifiers carries under 10% of the published rates for this code. Modifier combinations, and modifiers with fewer than 30 rates for a carrier, are not listed.

Insurance Carrier
Aetna
Setting
Professional
Modifier
52 · Reduced service
Typical Low
$234.42
Median
$234.42
Typical High
$363.08
Aetna
Setting
Professional
Modifier
53 · Discontinued
Typical Low
$93.33
Median
$93.33
Typical High
$144.54

Where Iowa sits

The same service costs 3.4 times more in Alaska than in Nebraska. Every bar is a state, most expensive first. Touch or drag across it to read any state, then open that state for its carriers and full range.

Iowa· 16th of 51

$646

AK $1,349NE $398

Median negotiated rate in each state, from every insurer that publishes one. States where no insurer publishes a rate for this service are not shown.