Cell-Free Fetal DNA Testing – Commercial and Individual Exchange Medical Policyopen_in_new

UnitedHealthcare covers maternal plasma cfDNA testing primarily to determine fetal genotype in pregnancies with maternal alloimmunization or risk due to RhD status or red‑cell antibodies (and supports cfDNA screening for trisomies 21, 18, 13 and sex chromosome aneuploidy), but cfDNA for other indications (e.g., twin zygosity, genome/exome‑wide testing, expanded panels, CNVs/microdeletions, single‑gene disorders, fetal antigens other than RhD, Vanadis®) is considered unproven and not medically necessary. Coverage requires documentation that the patient is alloimmunized or at risk, paternal RhD genotyping is heterozygous or unknown, indicated invasive diagnostic testing (CVS/amniocentesis) was offered and declined, and medical records (with recommended pre‑test genetic counseling) are provided.

"Cell-Free Fetal DNA testing using maternal plasma to determine fetal genotype is proven and medically necessary when the individual undergoing testing is alloimmunized or at risk for alloimmunizati..."