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Full Gene Test For Inherited Tumor Risk

Tennessee 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?

$513

Typical negotiated rate. In Tennessee, July 2026.

Insurers have agreed to pay about $513 for this service. The price depends on where it is billed: about $479 from a physician practice, and about $1,230 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 5 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$479$447 to $603
FacilityA hospital or hospital-owned outpatient department$1,230$537 to $1,995

How much rates vary

Facilitymedian $1,230 · 10th to 90th $447 to $2,570Professionalmedian $479 · 10th to 90th $316 to $724
$100$200$500$1K$2K$5Kfacility $1,230professional $479

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
$446.68
Median
$1,621.81
Typical High
$2,570.40
Aetna
Setting
Professional
Modifier
Global
Typical Low
$446.68
Median
$478.63
Typical High
$724.44
BCBS
Setting
Professional
Modifier
Global
Typical Low
$309.03
Median
$602.56
Typical High
$602.56
Cigna
Setting
Facility
Modifier
Global
Typical Low
$338.84
Median
$1,258.93
Typical High
$1,995.26
Cigna
Setting
Professional
Modifier
Global
Typical Low
$269.15
Median
$346.74
Typical High
$831.76
Lucent Health
Setting
Facility
Modifier
Global
Typical Low
$2,818.38
Median
$2,818.38
Typical High
$2,818.38
Lucent Health
Setting
Professional
Modifier
Global
Typical Low
$3,019.95
Median
$4,466.84
Typical High
$4,466.84
United
Setting
Facility
Modifier
Global
Typical Low
$251.19
Median
$602.56
Typical High
$602.56
United
Setting
Professional
Modifier
Global
Typical Low
$251.19
Median
$363.08
Typical High
$602.56

Where Tennessee 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.

Tennessee· 40th of 51

$513

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.