Hi everyone,
At my first appointment with a fertility clinic, they recommended I get genetic carrier screening done—specifically the Horizon panel (testing for ~274 genetic conditions) under code Z31.430.
When I checked with my fertility benefits provider, they told me this test is not covered, which caught me off guard.
Is this common? Do most people end up paying out of pocket for these expanded genetic screening tests?
Also, if you’ve done this test:
How much did it actually cost you?
Did you go through insurance or self-pay?
Were you able to negotiate or get financial assistance?
I’m trying to figure out if there’s a smarter/cheaper way to handle this before moving forward.
Any insights or experiences would really help—thank you!