Chromosome Microarray Testing (Non-Oncology Conditions) – Commercial and Individual Exchange Medical Policyopen_in_new

UnitedHealthcare covers chromosome microarray testing (aCGH and/or SNP array) as medically necessary for specified prenatal indications (invasive prenatal testing, stillbirth, products of conception/pregnancy loss) and for postnatal evaluation of ASD, isolated severe congenital heart disease, developmental delay/intellectual disability without a suspected syndrome, multiple unexplained anomalies, and testing biological relatives of an affected fetus/child, but deems CMA not medically necessary for other populations/conditions and not recommended as first-line for first‑trimester pregnancy loss. Key requirements include pre-test genetic counseling and informed consent, documentation of clinical indication and sampling method, lab reporting of platform and known limitations (e.g., inability to detect balanced rearrangements or UPD), consideration of parental testing for CNVs of uncertain significance, and adherence to prenatal VUS reporting thresholds.

"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."