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Full Gene Test For Inherited Tumor Risk

Maryland 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?

$447

Typical negotiated rate. In Maryland, October 2026.

Insurers have agreed to pay about $447 for this service. Most negotiated rates run $398 to $479.

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 6 insurance carriers under federal price transparency rules.

How much rates vary

Professionalmedian $447 · 10th to 90th $269 to $603
$500$1Kprofessional $447

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
Professional
Modifier
None
Typical Low
$446.68
Median
$446.68
Typical High
$489.78
CareFirst
Setting
Professional
Modifier
None
Typical Low
$436.52
Median
$478.63
Typical High
$478.63
Cigna
Setting
Professional
Modifier
None
Typical Low
$316.23
Median
$446.68
Typical High
$1,737.80
Kaiser Permanente
Setting
Professional
Modifier
None
Typical Low
$602.56
Median
$724.44
Typical High
$891.25
United
Setting
Professional
Modifier
None
Typical Low
$251.19
Median
$302.00
Typical High
$524.81
Wellpoint
Setting
Professional
Modifier
None
Typical Low
$478.63
Median
$478.63
Typical High
$478.63
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
$223.87
Median
$223.87
Typical High
$245.47
Aetna
Setting
Professional
Modifier
53 · Discontinued
Typical Low
$89.13
Median
$89.13
Typical High
$97.72

Where Maryland 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.

Maryland· 46th of 51

$447

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.