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Pricing and payment options

Natera billing offers access programs and price transparency – rooted in our commitment to provide affordable testing for all who can benefit.

Commitment to affordability

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Broad In-Network Coverage

Natera is proud to welcome most national and regional healthcare plans, including Aetna, Anthem, Cigna, and UnitedHealthcare to help reduce your Natera genetic testing bill.

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Personalized Cost Estimates

Natera provides personalized cost estimates through our Price Transparency Program (PTP). If you provide your insurance information, Natera reviews it and estimates your out-of-pocket cost to exceed our cash price, we will contact you to discuss alternative payment options. For Panorama, Horizon or Empower cost estimates, text us 650 210 7046 or email us at estimate@natera.com.

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Financial Access Programs

Patients who qualify for our compassionate care program will receive a Natera genetic testing bill for no more than $149 per test and may owe nothing, depending on their financial situation. Natera also offers self-pay cash options and interest-free payment plans.

FAQ

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.

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).

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.

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.

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.

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 adequate health insurance.
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.

Learn more

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 8 am – 7 pm 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 8 am – 7 pm Central Time, Monday-Friday, for questions about your Natera genetic and carrier testing bill.

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.