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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 July 2026.

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

$603

Typical negotiated rate. In New York, July 2026.

Insurers have agreed to pay about $603 for this service. The price depends on where it is billed: about $490 from a physician practice, and about $1,000 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 9 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$324 to $708
FacilityA hospital or hospital-owned outpatient department$1,000$603 to $1,380

How much rates vary

Facilitymedian $1,000 · 10th to 90th $490 to $1,660Professionalmedian $490 · 10th to 90th $240 to $1,148
$200$500$1K$2Kfacility $1,000professional $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
$1,023.29
Typical High
$1,659.59
Aetna
Setting
Professional
Modifier
Global
Typical Low
$323.59
Median
$489.78
Typical High
$1,071.52
Anthem BCBS
Setting
Facility
Modifier
Global
Typical Low
$602.56
Median
$602.56
Typical High
$1,548.82
Anthem BCBS
Setting
Professional
Modifier
Global
Typical Low
$239.88
Median
$239.88
Typical High
$1,174.90
CDPHP
Setting
Facility
Modifier
Global
Typical Low
$363.08
Median
$602.56
Typical High
$602.56
CDPHP
Setting
Professional
Modifier
Global
Typical Low
$436.52
Median
$602.56
Typical High
$602.56
Cigna
Setting
Facility
Modifier
Global
Typical Low
$588.84
Median
$1,288.25
Typical High
$1,737.80
Cigna
Setting
Professional
Modifier
Global
Typical Low
$363.08
Median
$758.58
Typical High
$2,884.03
Emblem Health
Setting
Facility
Modifier
Global
Typical Low
$380.19
Median
$691.83
Typical High
$1,548.82
Emblem Health
Setting
Professional
Modifier
Global
Typical Low
$354.81
Median
$512.86
Typical High
$1,148.15
Excellus BCBS
Setting
Professional
Modifier
Global
Typical Low
$478.63
Median
$575.44
Typical High
$1,071.52
MVP Health Care
Setting
Facility
Modifier
Global
Typical Low
$13.80
Median
$776.25
Typical High
$3,162.28
MVP Health Care
Setting
Professional
Modifier
Global
Typical Low
$218.78
Median
$602.56
Typical High
$1,096.48
United
Setting
Facility
Modifier
Global
Typical Low
$537.03
Median
$602.56
Typical High
$891.25
United
Setting
Professional
Modifier
Global
Typical Low
$251.19
Median
$512.86
Typical High
$1,318.26
Univera
Setting
Facility
Modifier
Global
Typical Low
$316.23
Median
$512.86
Typical High
$630.96
Univera
Setting
Professional
Modifier
Global
Typical Low
$478.63
Median
$588.84
Typical High
$1,445.44

Where New York 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.

New York· 28th of 51

$603

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.