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Full Gene Test For Inherited Tumor Risk

New York 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?

$575

Typical negotiated rate. In New York, October 2026.

Insurers have agreed to pay about $575 for this service. The price depends on where it is billed: about $550 from a physician practice, and about $776 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$550$324 to $776
FacilityA hospital or hospital-owned outpatient department$776$537 to $1,349

How much rates vary

Facilitymedian $776 · 10th to 90th $380 to $1,549Professionalmedian $550 · 10th to 90th $219 to $1,259
$20$100$500$2Kfacility $776professional $550

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
$323.59
Median
$512.86
Typical High
$1,862.09
Aetna
Setting
Professional
Modifier
None
Typical Low
$323.59
Median
$323.59
Typical High
$512.86
Anthem BCBS
Setting
Facility
Modifier
None
Typical Low
$602.56
Median
$602.56
Typical High
$1,548.82
Anthem BCBS
Setting
Professional
Modifier
None
Typical Low
$575.44
Median
$851.14
Typical High
$1,479.11
CDPHP
Setting
Professional
Modifier
None
Typical Low
$602.56
Median
$602.56
Typical High
$602.56
Cigna
Setting
Facility
Modifier
None
Typical Low
$588.84
Median
$1,288.25
Typical High
$1,737.80
Cigna
Setting
Professional
Modifier
None
Typical Low
$363.08
Median
$724.44
Typical High
$2,884.03
Emblem Health
Setting
Facility
Modifier
None
Typical Low
$380.19
Median
$616.60
Typical High
$1,348.96
Emblem Health
Setting
Professional
Modifier
None
Typical Low
$416.87
Median
$512.86
Typical High
$870.96
Excellus BCBS
Setting
Professional
Modifier
None
Typical Low
$478.63
Median
$575.44
Typical High
$691.83
MVP Health Care
Setting
Facility
Modifier
None
Typical Low
$13.80
Median
$524.81
Typical High
$1,202.26
MVP Health Care
Setting
Professional
Modifier
None
Typical Low
$218.78
Median
$218.78
Typical High
$1,230.27
United
Setting
Facility
Modifier
None
Typical Low
$537.03
Median
$602.56
Typical High
$758.58
United
Setting
Professional
Modifier
None
Typical Low
$251.19
Median
$295.12
Typical High
$912.01
Univera
Setting
Facility
Modifier
None
Typical Low
$389.05
Median
$389.05
Typical High
$630.96
Univera
Setting
Professional
Modifier
None
Typical Low
$478.63
Median
$575.44
Typical High
$676.08
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
$162.18
Median
$162.18
Typical High
$257.04
Aetna
Setting
Professional
Modifier
53 · Discontinued
Typical Low
$66.07
Median
$66.07
Typical High
$102.33

Where New York 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.

New York· 29th of 51

$575

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.