In the United States, this is a very tricky question as it truly depends on your health insurance and your particular plan. Some insurance companies will not cover any genetic testing in your policy statement. Most companies say that they will cover testing, but it has to be medically necessary. Additionally, some insurance companies specify when a test is medically necessary while others do not. Therefore, it is important to call your insurance company before having genetic testing done to see if there are any stipulations on your specific plan. Many laboratories also now have precertification specialists in their billing departments that can help you figure out what your insurance covers, if you need a letter of medical necessity from your doctor, and what your out of pocket costs may be after the insurance pays their portion. Genetic counselors can help you determine which laboratory would be doing your genetic testing, connect you with the appropriate people in the billing department before testing, and let you know of any patient assistance funds to help pay for testing when your insurance will not. To find a genetic counselor near you, visit the National Society of Genetic Counselors Find a Genetic Counselor website.
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