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Dollars & DNA: The True Cost of Genetic Testing in Pregnancy

When it comes to pregnancy, there's so much to learn and think about! As exciting as it is, you can imagine how overwhelming some of the genetic testing options could feel, especially when you start looking into the cost. 

As your friendly guide, we want to walk you through this realistically. Getting that deeper insight into your baby's health can be hugely valuable, but it should also be financially feasible. You deserve to understand exactly what you'd be paying for upfront rather than feeling confused by complicated medical bills down the road.

This blog’s goal isn't to push forward any particular test. It's to help you make the choice that feels right for your family. So, let’s get started!

The Million-Dollar Question: Is Genetic Testing During Pregnancy Worth the Cost?

Consider Genetic Testing in Pregnancy with 3X4 Genetics


To be honest, it really depends on your situation and priorities.

On one hand, genetic testing during pregnancy can give you valuable peace of mind. If everything looks good, you can relax and enjoy your trimester. But you can prepare and make informed decisions if there are any issues. You might even be able to start treatment if required, before your baby is born.

On the other hand, genetic testing can be a big expense. If you're on a tight budget, it might not be practical. And if everything returns to normal, you might feel like you wasted your money.

Peace of Mind vs. Financial Pain: Taking the Call on Genetic Testing

Here are some questions to ask yourself when deciding whether genetic testing is worth the cost:

  • How much would it mean to me to have this information about my baby's health?
  • Can I afford the out-of-pocket costs?
  • Would the results change anything about how I manage my pregnancy or prepare for my baby's arrival?
  • Do I have a family history of genetic disorders that I'm concerned about?

Genetic Testing During Pregnancy & Understanding Your Options

Genetic testing during pregnancy can give you important information about your baby's health. It can help you prepare for any special care your child may need. 

However, the cost of these tests can vary greatly. Let's break down your options and their potential costs.

The Range of Genetic Testing Costs

How much does genetic testing cost for pregnancy | Get 3X4 Genetics test @$299


There are different types of genetic tests you can get during pregnancy. Some common ones are:

1) Comprehensive Genetics Test: 3X4 Genetics tests

This test costs $299 once off and covers six main health areas: Blood Sugar Regulation, Brain Health, Heart Health, Hormone Health, Fitness and Tissue Health, and Weight balance. 

It also dives deeper into 36 metabolic pathways that range from cellular health to nutrient intake. All these areas and pathways play a massive role in prenatal nutrition and health.  Any positive lifestyle changes can improve the functioning of these pathways if there are any potential risks based on your genetic results.

2) Carrier screening

This test checks whether you or your partner carry genes for certain genetic disorders. It usually costs between $100 and $1,000.

3) Prenatal cell-free DNA screening

This looks at your baby's DNA in your blood to check for chromosomal disorders. It can cost $800 to $2,000.

4) Chorionic villus sampling (CVS) and amniocentesis

These tests check for chromosomal disorders and other conditions. They can cost $1,500 to $2,000.

The Insurance Puzzle: Will They, Won't They Cover Your Costs?

Insurance coverage for genetic testing can be tricky. Some plans cover it, while others don't. 

Here are 20 important questions people often forget to ask about insurance coverage for genetic testing during pregnancy:

  • Does my insurance cover all types of genetic testing or only specific tests?
  • Are there any specific requirements or criteria I need to meet for insurance to cover genetic testing?
  • Will my insurance cover genetic testing if I don't have any known risk factors or a family history of genetic disorders?
  • Is pre-authorization required before undergoing genetic testing?
  • Will my insurance cover genetic counseling sessions to help me understand the results?
  • Does my insurance have a preferred provider network for genetic testing, or can I choose any provider?
  • Are there any out-of-pocket costs, such as co-insurance or deductibles, that I should be aware of?
  • Is there a limit to the number of genetic tests my insurance will cover during my pregnancy (or subsequent pregnancies)?
  • Will my insurance cover follow-up tests or additional procedures if the initial genetic test results are inconclusive or abnormal?
  • Does my insurance cover genetic testing for my partner, or only for me as a pregnant individual?
  • Will my insurance premium or coverage be affected if I undergo genetic testing?
  • How long does it typically take for insurance to approve coverage for genetic testing?
  • Will my insurance cover the cost of any necessary treatments or interventions if a genetic disorder is detected?
  • Are there any specific labs or facilities my insurance requires me to use for genetic testing?
  • Will my insurance cover the cost of storing any remaining genetic material for future testing or use?
  • Does my insurance have any restrictions or exclusions related to genetic testing that I should be aware of?
  • Will my insurance cover the cost of repeating a genetic test if the initial results are unclear, or if I want a second opinion?
  • How will my insurance handle billing and payment for genetic testing?
  • Can I speak with a customer service representative or case manager to help me navigate insurance coverage for genetic testing?
  • Are there any appeals processes in place if my insurance initially denies coverage for genetic testing?

When Genetic Testing Costs More (or Less)

The timing of when you get genetic testing can also affect the cost. Here's what you need to know.

DNA sample from cheek swab | 3X4 Genetics


Getting genetic testing early in your pregnancy or even before you conceive can give you more information to work with. But it can also be more expensive. Testing later in pregnancy may be cheaper, but you'll have less time to decide based on the results.

Early Bird or Waiting Game

Let's weigh the pros and cons of early vs. late genetic testing:

Consider Genetic Testing with 3X4 Test


Testing Period



Early testing (before conception or in the first trimester)

More time to make decisions, plan for any special needs, and consider all your options

It can be more expensive, and some tests may not be covered by insurance

Later testing (second or third trimester)

It may be cheaper, more likely to be covered by insurance

Less time to make decisions, prepare for any special needs


Beyond the $$$ Talk: Choosing the Right Genetic Test for Your Pregnancy

If you decide to go ahead with genetic testing, you'll want to choose the right test for you. 

That's where 3X4 Genetics comes in.

3X4 Genetics offers a comprehensive test that looks at 157 genes across 6 major health areas. That means you'll get a complete picture of your baby's genetic health, not just bits and pieces.

How 3X4 Genetics Test Could Help in Your Baby's Future

Here are some reasons to consider the 3X4 Genetics Test:

  • It's comprehensive.
    You'll get insights into your baby's cellular health, systems health, cardiovascular health, energy, activity, and more.

  • It's personalized.
    You'll get targeted diet, lifestyle, and supplement recommendations based on your baby's unique genetic profile.

  • It's empowering.
    You'll be able to make proactive, data-driven choices about your baby's health from day one 

We know there's a lot to think about when it comes to genetic testing and pregnancy. The cost can be daunting, but the value of the information you'll gain can be priceless.

Take some time to consider your options and crunch the numbers. Talk to your insurance provider and your doctor.


How much does genetic testing cost during pregnancy?

The cost of genetic testing during pregnancy can range from a few hundred to a few thousand dollars, depending on the type of test and your insurance coverage. Carrier screening can cost $100 to $1,000, prenatal cell-free DNA screening can cost $800 to $2,000, and CVS and amniocentesis can cost $1,500 to $2,000.

Is genetic testing for pregnancy covered by insurance?

Insurance coverage for genetic testing during pregnancy varies. Some plans cover it fully, some cover it partially, and some don't cover it at all. Check with your insurance provider to find out what your specific plan covers.

Is genetic testing worth it for pregnancy?

Whether genetic testing is worth it for pregnancy depends on your personal situation and priorities. It can provide valuable peace of mind and help you prepare for any special needs your baby may have. But it can also be expensive, and the results may not change anything about your pregnancy management. Consider your budget, your family history, and how much the information would mean to you.

How much should you pay for genetic testing?

How much you should pay for genetic testing depends on your insurance coverage and what you can afford. If your insurance covers it, you may only have to pay a copay or deductible. If not, you'll have to weigh the cost against the value of the information you'll receive. The 3X4 Genetics Test offers a comprehensive, personalized approach to an investment in your baby's future health.