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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 October 2026.

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

$603

Typical negotiated rate. In Tennessee, October 2026.

Insurers have agreed to pay about $603 for this service. Most negotiated rates run $363 to $1,349.

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.

How much rates vary

Facilitymedian $1,230 · 10th to 90th $398 to $1,778Professionalmedian $537 · 10th to 90th $275 to $4,467
$100$200$500$1K$2K$5Kfacility $1,230professional $537

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
$446.68
Median
$478.63
Typical High
$912.01
Aetna
Setting
Professional
Modifier
None
Typical Low
$446.68
Median
$478.63
Typical High
$724.44
Aetna
Setting
Professional
Modifier
52 · Reduced service
Typical Low
$223.87
Median
$234.42
Typical High
$346.74
Aetna
Setting
Professional
Modifier
53 · Discontinued
Typical Low
$89.13
Median
$95.50
Typical High
$138.04
BCBS Tennessee
Setting
Professional
Modifier
None
Typical Low
$309.03
Median
$602.56
Typical High
$602.56
Cigna
Setting
Facility
Modifier
None
Typical Low
$398.11
Median
$1,230.27
Typical High
$1,862.09
Cigna
Setting
Professional
Modifier
None
Typical Low
$269.15
Median
$323.59
Typical High
$812.83
Lucent Health
Setting
Professional
Modifier
None
Typical Low
$3,019.95
Median
$4,466.84
Typical High
$4,466.84
United
Setting
Professional
Modifier
None
Typical Low
$251.19
Median
$363.08
Typical High
$602.56

Where Tennessee 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.

Tennessee· 24th of 51

$603

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.