Most insurance companies cover genetic testing. However, insurance companies may have specific criteria that determine when the cost of genetic testing will be covered.
For those who have limited or no insurance, the cost of genetic testing may be covered using grant funding or through financial assistance programs offered by the laboratory. Speak to your genetic counselor to determine if you qualify for such programs.
The National Comprehensive Cancer Network (NCCN) publishes national genetic testing criteria for common hereditary cancer syndromes. While most insurance companies follow NCCN criteria to determine if genetic testing will be covered, some insurance companies alter their coverage criteria.
Genetic Information Non-Discrimination Act (GINA)
There is a federal law called GINA (Genetic Information Non-Discrimination Act) that was enacted effective 2009. This law prohibits use of genetic result information as a pre-existing condition for the purposes of major medical coverage or for hiring/firing purposes. There are a few exclusions to the law for small group coverage and members of the military. Read more information about the GINA law.