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Full Gene Test For Inherited Tumor Risk

Montana 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?

$871

Typical negotiated rate. In Montana, October 2026.

Insurers have agreed to pay about $871 for this service. The price depends on where it is billed: about $813 from a physician practice, and about $1,023 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 6 insurance carriers under federal price transparency rules.

Prices by location type

Billed byTypicalRange
Physician practiceA doctor's office, clinic or independent provider$813$457 to $871
FacilityA hospital or hospital-owned outpatient department$1,023$891 to $1,122

How much rates vary

Facilitymedian $1,023 · 10th to 90th $813 to $1,413Professionalmedian $813 · 10th to 90th $251 to $1,072
$500$1K$2Kfacility $1,023professional $813

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
$457.09
Median
$691.83
Typical High
$891.25
BCBS Montana
Setting
Facility
Modifier
None
Typical Low
$812.83
Median
$812.83
Typical High
$3,715.35
BCBS Montana
Setting
Professional
Modifier
None
Typical Low
$812.83
Median
$812.83
Typical High
$812.83
Cigna
Setting
Facility
Modifier
None
Typical Low
$870.96
Median
$891.25
Typical High
$3,388.44
Cigna
Setting
Professional
Modifier
None
Typical Low
$870.96
Median
$870.96
Typical High
$870.96
MountainHealth Co-op
Setting
Facility
Modifier
None
Typical Low
$691.83
Median
$1,023.29
Typical High
$1,202.26
MountainHealth Co-op
Setting
Professional
Modifier
None
Typical Low
$812.83
Median
$1,023.29
Typical High
$1,096.48
Providence
Setting
Facility
Modifier
None
Typical Low
$870.96
Median
$891.25
Typical High
$3,388.44
Providence
Setting
Professional
Modifier
None
Typical Low
$537.03
Median
$537.03
Typical High
$870.96
United
Setting
Professional
Modifier
None
Typical Low
$251.19
Median
$251.19
Typical High
$602.56

Where Montana 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.

Montana· 4th of 51

$871

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.