The Full BRCA Test Cost Breakdown
One-time purchase — a single test, a single report. Full gene sequencing plus deletion/duplication analysis, every exon checked.
BRCA1/BRCA2 is included with your Gene Matrix Membership — along with all 10 other genetic tests. No per-test fees. No surprises. $59/mo billed annually ($712/yr).
Start Membership — $89/mo[ Included At No Extra Charge ]
Every Exon Checked
BRCA1 and BRCA2 full gene sequencing plus deletion/duplication analysis. Every exon checked for variants large and small.
$0 With Every Positive
A board-certified genetic counselor walks you through your results and helps you build a screening plan — included with every positive result.
Know Your Cost Upfront
We check your benefits before testing using CPT 81432 and 81433, so you know your out-of-pocket cost before you commit.
Kit + Prepaid Mailer
Your kit ships within 24 hours with a prepaid return envelope. Swab at home, drop it in any mailbox.
Insurance & CPT Codes — When It’s Covered
[ We Handle Pre-Authorization ]Most major insurers cover BRCA testing for qualifying patients. We handle pre-authorization and provide superbills for reimbursement.
| CPT Code | Used For | Avg. Reimbursement |
|---|---|---|
| 81432 | BRCA1/BRCA2 full gene sequence analysis | $2,100 – $2,800 (2026 Medicare/commercial fee schedules) |
| 81433 | BRCA1/BRCA2 deletion/duplication analysis | $850 – $1,200 (2026 Medicare/commercial fee schedules) |
[ NCCN Criteria — Coverage Is Likely If Any Apply ]
- Personal breast cancer before age 50
- Personal ovarian cancer at any age
- A male relative with breast cancer
- Ashkenazi Jewish ancestry
- Two or more family members with breast, ovarian, or pancreatic cancer
- A known BRCA mutation in a first-degree relative
The National Comprehensive Cancer Network (NCCN) publishes the guidelines most insurance companies follow when deciding whether to cover hereditary cancer testing. Our team checks your insurance →
Hospital Billing vs. Gene Matrix
On 2026 fee schedules, BRCA sequencing (CPT 81432) alone bills at $2,100–$2,800, and deletion/duplication analysis (CPT 81433) adds $850–$1,200 — before genetic counseling fees. At Gene Matrix, the same clinical-grade analysis is $499 one-time, or included with the $89/month membership along with all 10 other tests — with results in 5–7 days, faster than most hospital genetics departments.
Every Way to Pay
[ HSA · FSA · Insurance · Card ]Pay With Pre-Tax Dollars
Gene Matrix tests and subscriptions are HSA/FSA eligible — pay directly with your HSA or FSA card at checkout. We provide detailed receipts and CPT codes to support reimbursement claims.
Often $0 Out of Pocket
Many insurance plans cover genetic testing when physician-ordered, particularly for hereditary cancer screening (BRCA, Lynch syndrome). We verify your benefits before you order.
$89/mo or $59/mo
Membership is $89/month billed monthly, or $59/month billed annually ($712/yr) — with the BRCA test plus 10 more included.
Risk-Free Start
All plans come with a 30-day money-back guarantee. If you are not completely satisfied within 30 days, contact us for a full refund — no questions asked. Refunds are not available after your DNA sample has been processed in our lab.
BRCA Cost Questions, Answered
[ No Billing Surprises ]Know Your Risk. Know Your Cost.
Insurance pre-verified, counselor included, results in 5–7 days. Women who know their BRCA status and follow enhanced screening protocols have dramatically better outcomes.