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Full Gene Test For Inherited Tumor Risk

Massachusetts 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?

$617

Typical negotiated rate. In Massachusetts, October 2026.

Insurers have agreed to pay about $617 for this service. The price depends on where it is billed: about $603 from a physician practice, and about $851 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 9 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 $1,514
FacilityA hospital or hospital-owned outpatient department$851$603 to $1,413

How much rates vary

Facilitymedian $851 · 10th to 90th $447 to $1,862Professionalmedian $603 · 10th to 90th $363 to $3,020
$100$200$500$1K$2K$5Kfacility $851professional $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
$416.87
Median
$831.76
Typical High
$1,862.09
Aetna
Setting
Professional
Modifier
None
Typical Low
$416.87
Median
$416.87
Typical High
$416.87
AllWays Health Partners
Setting
Facility
Modifier
None
Typical Low
$446.68
Median
$691.83
Typical High
$1,819.70
AllWays Health Partners
Setting
Professional
Modifier
None
Typical Low
$363.08
Median
$1,148.15
Typical High
$3,019.95
BCBS Massachusetts
Setting
Facility
Modifier
None
Typical Low
$954.99
Median
$1,348.96
Typical High
$1,905.46
BCBS Massachusetts
Setting
Professional
Modifier
None
Typical Low
$562.34
Median
$562.34
Typical High
$562.34
Cigna
Setting
Facility
Modifier
None
Typical Low
$389.05
Median
$741.31
Typical High
$1,174.90
Cigna
Setting
Professional
Modifier
None
Typical Low
$354.81
Median
$630.96
Typical High
$2,344.23
Fallon Health
Setting
Facility
Modifier
None
Typical Low
$83.18
Median
$1,000.00
Typical High
$5,888.44
Fallon Health
Setting
Professional
Modifier
None
Typical Low
$851.14
Median
$851.14
Typical High
$1,000.00
Harvard Pilgrim
Setting
Professional
Modifier
None
Typical Low
$363.08
Median
$602.56
Typical High
$1,548.82
Mass General Brigham
Setting
Facility
Modifier
None
Typical Low
$446.68
Median
$691.83
Typical High
$1,819.70
Mass General Brigham
Setting
Professional
Modifier
None
Typical Low
$363.08
Median
$1,148.15
Typical High
$3,019.95
United
Setting
Facility
Modifier
None
Typical Low
$537.03
Median
$602.56
Typical High
$724.44
United
Setting
Professional
Modifier
None
Typical Low
$239.88
Median
$363.08
Typical High
$1,148.15
Well Sense
Setting
Facility
Modifier
None
Typical Low
$524.81
Median
$724.44
Typical High
$1,096.48
Well Sense
Setting
Professional
Modifier
None
Typical Low
$2,511.89
Median
$2,511.89
Typical High
$3,019.95
3 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
$208.93
Median
$208.93
Typical High
$208.93
Aetna
Setting
Professional
Modifier
53 · Discontinued
Typical Low
$83.18
Median
$83.18
Typical High
$83.18
Fallon Health
Setting
Facility
Modifier
QW · Waived lab test
Typical Low
$602.56
Median
$776.25
Typical High
$933.25

Where Massachusetts 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.

Massachusetts· 21st of 51

$617

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.