How can I get an estimate of the cost of a Natera genetic test?

Prior to submitting your sample, you can receive a personalized cost estimate for Panorama™, Vistara™, Empower™, or Horizon™ by texting us at 1-650-210-7046 or emailing estimate@natera.com . When requesting an estimate, please provide your doctor’s name, clinic, and state, your full name and date of birth, and your insurance information, including the plan name, policyholder name, member ID, group number, and the full name and date of birth of the primary insurance policyholder, if different than the person receiving the test. If your expected out-of-pocket cost with insurance exceeds the self-pay cost, Natera’s Price Transparency Program will attempt to send you a cost estimate. This estimate is typically sent within 48 hours of Natera receiving your sample. If you have an option between self-pay and insurance, you may receive a communication that requests a decision within 3-5 business days. If you do not respond, we will default to billing your insurance. Once a claim has been submitted to your insurance, you can no longer choose the self-pay option.

Will my cost estimate include insurance coverage?

If you provide insurance information, Natera reviews it and provides a cost estimate to indicate how much you may expect to pay out of pocket. If you do not have health insurance, the estimate will reflect your self-pay cost. When requesting an estimate, please provide your doctor’s name, clinic, and state, your full name and date of birth, and your insurance information, including the plan name, policyholder name, member ID, group number, and the full name and date of birth of the primary insurance policyholder, if different than the patient.

Can I pay for Natera without using insurance?

Natera is committed to making the benefits of genetic testing widely accessible. Natera therefore offers an affordable self-pay price for people without health insurance or with high out-of-pocket costs, such as those on a high-deductible plan.

What if my out-of-pocket costs with insurance exceed the self-pay cost?

If your estimated out-of-pocket costs exceed the self-pay price, Natera will attempt to contact you via our Price Transparency Program to discuss payment options. If you have the option of either self-pay or using insurance, you may receive a communication requesting a decision within 3-5 business days. Natera promises to process genetic, carrier, and prenatal screening tests in a timely manner, so if you do not respond to the request, Natera will default to billing your insurance. Once a claim has been submitted to your insurance, you can no longer choose the self-pay option.

Why did I receive an Explanation of Benefits with a higher total than my initial estimate?

After your Natera test has been completed, a claim has been submitted, and your insurance company has processed it, your insurer will send you an Explanation of Benefits (EOB) document. An EOB is not a bill, even though it may look like one. It provides an outline of the claim amount and the amount that your plan covers. Even though it contains an amount that you may be expected to pay, this amount is not final and may not include additional discounts from Natera. Your genetic testing bill from Natera will provide the final amount due.

When will Natera billing issue my genetic testing bill?

Once your insurance has reviewed the claim, Natera billing issues you a bill for any out-of-pocket costs. Payment is due 30 days following the invoice date. For additional questions, Natera’s billing phone number is 1-844-384-2996. Support is available between 8am-7pm Central Time, Monday-Friday.

When is my payment due?

Payment is due 30 days after Natera billing issues you a bill for any out-of-pocket costs. The issue date is listed on your genetic testing bill.

What if I cannot afford the cost of genetic testing?

If you need help covering your expected Natera genetic and carrier testing bill, we offer financial assistance programs for individuals and families who qualify. You can apply for financial assistance using this webform . For additional questions regarding cost, Natera’s billing phone number is 1-844-384-2996. Support is available between 8am-7pm Central Time, Monday-Friday, for questions about your Natera genetic and carrier testing bill.

We are committed to affordable access to testing

Q: Does my insurance cover the cost of a Natera genetic test?

Natera is an in-network laboratory for most national and regional healthcare plans, including Aetna, Anthem, Cigna, and United Healthcare. To see if your plan contracts with Natera as an in-network laboratory, you can check this list . Note that Natera being designated as in-network for your insurance plan does NOT mean that 100% of the cost of testing will be covered. For additional questions regarding insurance coverage, please contact us at 1-844-384-2996 or via our webform .

Q: If Natera is in-network for my insurance plan, will the cost of testing be 100% covered?

Natera being designated as in-network for your insurance plan may help reduce your Natera genetic testing bill. However, Natera being in-network does not guarantee that 100% of the cost of testing will be covered. The total amount billed to you depends on your specific insurance plan. We recommend contacting your plan’s Member Services department for coverage questions (the number for Member Services is usually found on the back of your insurance card).

Q: Do I need a prior authorization?

Many health plans require the doctor or laboratory that orders the test to submit a prior authorization, sometimes called precertification or preauthorization, in order to receive coverage for certain tests. We recommend contacting your plan’s Member Services department for coverage questions (the number for Member Services is usually found on the back of your insurance card). If prior authorization is denied, Natera may offer you the self-pay price for your specific genetic test.

Natera supports affordable access to testing with broad in-network coverage, interest-free payment plans, and financial assistance.

Here’s how insurance billing works at Natera

Your provider orders the test

Once we receive your sample, we’ll contact you to create a patient portal account and keep you up to date on test status.¹

Natera processes your insurance information

We’ll attempt to send you an estimate if your out-of-pocket cost is higher than our prompt-pay cash price.²

We’ll submit your claim and your insurance will send an EOB

Your insurance plan will process your claim and send you an Explanation of Benefits (EOB). This is NOT a bill.

Natera will send a bill if you have any out-of-pocket cost

The insurance claim process can take time as we make every effort to gain coverage on your behalf. Once finalized, we will send you the final bill.

Insurance coverage for testing

Natera welcomes all insurance plans and is in-network with the vast majority of plans. If your plan is in-network with Natera, your test will likely be covered by insurance, and approximately 2/3 of in-network patients have no out-of-pocket cost.³ If you have any remaining deductible or applicable copay/coinsurance, you may have an out-of-pocket cost. If you’ve not met your deductible, what you pay will go towards that amount, after which insurance begins to contribute to your care. In addition, many patients can access a reduced price of $149 per test or less with our financial assistance program. Learn about how we support affordable access to testing below.

Affordable access to testing

In-Network with Most Insurance Plans	Natera is committed to affordable access to testing and is in-network with the vast majority of health insurance plans.	Check our list of in-network plans
Financial Assistance	If you meet financial criteria based on household size and income, you may be eligible for a reduced cost of $149 or less per test.	See if you qualify
Personalized Cost Estimate	If you would like an estimate before your provider orders your test, request an estimate for Panorama, Horizon, Empower, or Vistara.²	Request a cost estimate
Interest-Free Payment Plans	Once you receive your bill, we make it easy to sign up for an interest-free payment plan of up to 12-months.	Setup payment plan

Frequently asked questions

Does my insurance cover the cost of a Natera genetic test?

Natera welcomes all insurance plans and is in-network with the vast majority of insurance plans. If your plan is in-network with Natera, your test will likely be covered by insurance, and approximately 2/3 of in-network patients have no out-of-pocket cost.³ If you have any remaining deductible or applicable copay/coinsurance, you may have an out-of-pocket cost. If you’ve not met your deductible, what will pay will go towards that amount, after which insurance begins to contribute to your care.

If Natera is in-network for my insurance plan, will the cost of testing be 100% covered?

Approximately 2/3 of in-network patients have no out-of-pocket cost.³ If you haven’t met your deductible, or have a copay or coinsurance, you will likely have some out-of-pocket cost. For patients with an out-of-pocket cost, Natera is committed to making the test affordable. Patients can choose to pay with an interest-free payment plan, and for patients that meet certain financial criteria, you may be able to access a reduced cost of $149 or less depending on your household size and income.

How can I get a cost estimate for a Natera test?

Price Transparency Program for Panorama, Horizon, and Empower: When your sample is received, we’ll generate an estimate based on how your insurance plan has previously covered Natera testing.² This estimate is based on the information we have available to us at the time of the estimate, and future or pending claims submitted to your insurance may affect this estimate. If we estimate your out-of-pocket cost to be higher than our prompt-pay cash price, which is typically $249 or $349, depending on the test, we’ll attempt to send you a message via email and text so that you’ll be able to review the cost estimate, along with payment options.

Pre-Test Cost Estimate for Panorama™, Vistara™, Empower™, or Horizon™: You can request an estimate prior to testing. The estimate is based on how your insurance plan has previously covered Natera testing along with your deductible at that time, therefore your final bill may be different for this reason.² If you would like an estimate, complete the Pre-Test Estimate Form.

Do I need a prior authorization?

Many health plans require that a prior authorization, sometimes called precertification or preauthorization, be submitted in order to receive coverage for certain tests. If prior authorization is required for your test, Natera will work with your healthcare provider to submit the request.

Can I pay for Natera testing without using insurance?

Natera offers a prompt-pay cash price at the time of testing. In addition, when insurance information is provided with the test order, Natera will estimate your out-of-pocket cost and send you the estimate if it is higher than our prompt-pay cash price.

Why did I receive an Explanation of Benefits (EOB)?

When processing your claim, your insurance plan will send you an Explanation of Benefits (or EOB). It’s important to note, an EOB is NOT a bill. It provides a breakdown of the services you received and what the insurance plan paid for and didn’t. No action is required when you receive the EOB. If you have any out-of-pocket cost remaining, Natera will send you a bill.

When will Natera send me a bill for testing?

The insurance claim process can take time as we make every effort to gain coverage on your behalf, including appealing the insurance decision. Once your insurance has finalized the claim, Natera will send you a bill. Payment is due 30 days following the invoice date. You can pay in full or choose an interest-free payment plan. In addition, you can apply for financial assistance, which can reduce your out-of-pocket cost to $149 or less if you meet certain financial criteria based on household size and income. See if you qualify.

Where can I pay my bill?

You can find and pay your bill in our payment portal.

What if I cannot afford the cost of testing?

Natera is committed to making the test affordable. Approximately 2/3 of in-network patients have no out-of-pocket cost.³ If you haven’t met your deductible, or have a copay or coinsurance, you will likely have some out-of-pocket cost. Patients with an out-of-pocket cost can choose to pay with an interest-free payment plan. For patients that meet certain financial criteria, you may be able to access a reduced cost of $149 or less depending on your household size and income. See if you qualify.

Need more help?

For additional assistance with pricing and Natera billing questions, reach out to our customer care team by calling 1-844-384-2996.

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Footnotes

¹Natera may attempt to contact patients via email or text. Patients should monitor their emails, texts, and spam folders for communication from Natera.

²Natera’s patient out-of-pocket cost estimates are based on the information we have available to us at the time of the estimate. Future or pending claims submitted to your insurance may affect this estimate. Patients covered by government insurance are not eligible for this program. If you do not have insurance, self pay options are also available for this testing.

³Based on 2022-23 claims for Panorama™ and Horizon™, including commercial and government payors.