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Full Gene Test For Inherited Tumor Risk

Indiana 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 July 2026.

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

$550

Typical negotiated rate. In Indiana, July 2026.

Insurers have agreed to pay about $550 for this service. The price depends on where it is billed: about $490 from a physician practice, and about $603 from a hospital or other facility. The two figures are alternatives, not parts of one bill.

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 5 insurance carriers under federal price transparency rules.

Where it's billed changes the price

Billed byTypicalRange
Physician practiceA doctor's office, clinic or independent provider$490$490 to $550
FacilityA hospital or hospital-owned outpatient department$603$603 to $1,202

How much rates vary

Facilitymedian $603 · 10th to 90th $603 to $1,820Professionalmedian $490 · 10th to 90th $407 to $741
$500$1K$2K$5Kfacility $603professional $490

Distribution of negotiated rates across all payers (price axis is log-scale). Each curve is scaled to its own total: facility and professional rates are different services, shown together to compare where they cluster. Need provider-level prices or 24+ months of history? Contact us.

Rates by insurance carrier

Insurance Carrier
Aetna
Setting
Facility
Modifier
Global
Typical Low
$489.78
Median
$660.69
Typical High
$1,819.70
Aetna
Setting
Professional
Modifier
Global
Typical Low
$478.63
Median
$489.78
Typical High
$537.03
Anthem BCBS
Setting
Facility
Modifier
Global
Typical Low
$602.56
Median
$602.56
Typical High
$1,819.70
Anthem BCBS
Setting
Professional
Modifier
Global
Typical Low
$549.54
Median
$549.54
Typical High
$851.14
CareSource
Setting
Facility
Modifier
Global
Typical Low
$478.63
Median
$602.56
Typical High
$831.76
CareSource
Setting
Professional
Modifier
Global
Typical Low
$602.56
Median
$691.83
Typical High
$831.76
Cigna
Setting
Facility
Modifier
Global
Typical Low
$602.56
Median
$602.56
Typical High
$1,380.38
Cigna
Setting
Professional
Modifier
Global
Typical Low
$436.52
Median
$549.54
Typical High
$870.96
United
Setting
Facility
Modifier
Global
Typical Low
$602.56
Median
$602.56
Typical High
$602.56
United
Setting
Professional
Modifier
Global
Typical Low
$251.19
Median
$363.08
Typical High
$724.44

Where Indiana sits

The same service costs 3.0 times more in Alaska than in Maryland. 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.

Indiana· 34th of 51

$550

AK $1,349MD $447

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.