Carrier Testing Panels for Genetic Diseases – Commercial and Individual Exchange Medical Policyopen_in_new

UnitedHealthcare covers reproductive carrier screening panels of up to 6 genes, and up to 15 genes only if the individual or partner has Ashkenazi Jewish ancestry (≥1 parent/grandparent) or a biological first‑ or second‑degree relative affected by a condition on the panel; panels of 16+ genes and carrier screening for other indications (including adult‑onset conditions) are unproven and not medically necessary. Pre‑test genetic counseling is strongly recommended and documentation of counseling and the qualifying ancestry/affected‑relative must be available (medical records may be requested) to support coverage.

"Pre-test genetic counseling is strongly recommended in order to inform persons being tested about the advantages and limitations of the test as applied to a unique person."

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