Just got my $3,399 NIPT Bill
US Based.
Yay, low risk for genetic disorders and he's a boy. But geez I wasn't expecting it to cost so much. Not only have I hit my health insurance deductible for the year, but I am on a financial assistance plan with the healthcare system my OB is with. Hindsight I feel stupid, but I didn't realize the test was done by a third party vendor until I got the paper on how to see the results- after my blood was drawn. But hey, it labs, so if it's out of pocket, it would be a max of a couple hundred, right?
Not only is it a third party vendor, but it's an "out of network" provider. Meaning my insurance won't cover ANY of the cost.
I plan to talk to Natera (provider who did the test) to see about financial assistance and/or self pay discounts. But we had a plan to pay off all our debts and put more into savings before my due date, and if I have to pay this in full it will derail that plan.
I'm just so frustrated with myself because:
The test was basically unnecessary for us, as we aren't high risk for anything. My last pregnancy was a MMC so this was mainly done for reassurance.
I should have checked with my insurance first, granted any time I try to get a cost estimate with them they give me the same vague line of "well first it applies to your deductible, then x% of your coinsurance" and can never give me a direct number range.
I'm sick of always feeling like any time I go to actually use my health insurance, that their main goal is to screw me over.