Invasive Prenatal Diagnosis of Genetic Diseases

Aetna covers invasive prenatal diagnostic procedures (CVS, genetic amniocentesis, and PUBS/cordocentesis) for diagnosing fetal chromosomal abnormalities and considers preimplantation genetic testing for monogenic disorders (PGT‑M/PGD) medically necessary when policy criteria are met — specifically for autosomal dominant conditions if at least one parent is a known carrier, autosomal recessive conditions if both parents are carriers, and X‑linked conditions if a parent is a known carrier. PGT‑M is not medically necessary for nonmedical sex selection, and PGT‑A (aneuploidy screening), PGT or invasive testing for variants of uncertain significance, multigene panels at PGT‑M, and PGT‑M for fetal chromosomal abnormalities are considered experimental/investigational and not medically necessary.

"PGT-M / PGD is medically necessary when the genetic disease is associated with clinically significant morbidity or disability."