Prenatal Testing for Fetal Aneuploidy - Lab Benefit Program (LBM)
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This reimbursement policy governs coverage and limitations for prenatal screening and diagnostic testing for fetal aneuploidy (chromosomes 13, 18, 21, X, Y) under EmblemHealth's Lab Benefit Program and applies to claims submitted to the payer.
New Policy effective 5/15/2026.
Reformatted and reorganized policy, transferred content to new template with new Reimbursement Policy Number.
Coverage Criteria and Evidence
Coverage Criteria and Exclusions
Covered when benefit plan provides laboratory prenatal testing under the Lab Benefit Program and the individual meets the gestational/clinical parameters below:
Covered screening options
- First-trimester screening (defined as 11–14 weeks) incorporating maternal serum markers (hCG, PAPP-A) with nuchal translucency (NT).
- Second-trimester screening (15–22 weeks) incorporating triple maternal serum markers (hCG, AFP, uE3 with NT) or quad maternal serum markers (hCG, AFP, uE3, DIA with NT).
- Integrated, sequential, or contingent first- and second-trimester serum-based screening strategies that incorporate PAPP-A with NT and quad maternal serum markers as specified (first trimester 11–14 weeks; second trimester 15–22 weeks).
- Noninvasive prenatal screening (NIPS) using cell-free fetal DNA to detect fetal aneuploidy of chromosomes 13, 18, 21 and sex chromosomes X and Y for singleton or twin pregnancies at ≥ 10 weeks gestation.
Explicit exclusions
- Use of the 'penta' screen (includes hyperglycosylated hCG) does NOT meet coverage criteria.
- Parallel or simultaneous testing with multiple screening methodologies for fetal aneuploidy does NOT meet coverage criteria.
- Screening for higher order multiple gestations (e.g., triplets) does NOT meet coverage criteria.
- Repeat screening after a negative screening result does NOT meet coverage criteria.
- Screening aimed at detecting chromosomal abnormalities beyond the specified aneuploidies (e.g., microdeletion syndromes, unbalanced translocations, deletions, duplications) does NOT meet coverage criteria.
- Testing for determination of fetal sex does NOT meet coverage criteria.
- Single cell genotyping of trophoblasts isolated from maternal serum (e.g., Luna Prenatal Test) does NOT meet coverage criteria due to insufficient published evidence (investigational).
Operational: Benefit verification required prior to ordering; follow applicable State/Federal Medicare or Medicaid rules.
Coverage-relevant findings and operational notes
Key evidence findings and operational considerations that inform the coverage stance and clinical use of prenatal screening tests:
Operational: When a NIPS result is 'no-call' or uninterpretable, repeat draw or further diagnostic evaluation and genetic counseling are indicated because no-call outcomes are associated with increased aneuploidy risk.
Screening evidence and professional recommendations
Summarized evidence and professional society/regulatory guidance relevant to clinical application and payer approach:
Coverage references and coding lists
Codes referenced in the policy and related coding/payment considerations (policy notes that codes are reference-only and may not be exhaustive):
Operational/payment: The policy emphasizes the screening role of NIPS (not diagnostic) and requires confirmatory diagnostic testing for positive screening results; providers should bill using applicable codes consistent with the service performed and payer guidance.
Procedure Codes, Tests, and Gestational Rules
| MaterniT21 Plus; verifi Prenatal Test; verifi Plus Prenatal Test; Harmony Prenatal Test; Panorama test; QNatal Advanced; Prequel; CentoNIPT; ClariTest Core; IONA; Sage prenatal screen; Invitae NIPS test; Clarigo; VERACITY; Vanadis NIPT; NIFTY Test; NIFTY Test Pro; informaSeq Prenatal Test; Afp4; SerumIntegratedScreen; FirstScreen; IntegratedScreen; SequentialScreen |
| 81420 | Fetal chromosomal aneuploidy genomic sequence analysis, circulating cell-free fetal DNA |
| 81422 | Fetal chromosomal microdeletion(s) genomic sequence analysis, circulating cell-free fetal DNA |
| 81507 | Fetal aneuploidy DNA sequence analysis of selected regions using maternal plasma, algorithm reported as risk score (Harmony™ example) |
| 81508 | Fetal congenital abnormalities biochemical assays of two proteins (PAPP-A, hCG) |
| 81509 | Fetal congenital abnormalities biochemical assays of three proteins |
| 81510 | Fetal congenital abnormalities biochemical assays of three analytes (AFP, uE3, hCG) |
| 81511 | Fetal congenital abnormalities biochemical assays of four analytes (AFP, uE3, hCG, DIA) |
| 81512 | Fetal congenital abnormalities biochemical assays of five analytes (AFP, uE3, total hCG, hyperglycosylated hCG, DIA) |
| 82105 | Alpha-fetoprotein (AFP); serum |
| 88235 | Tissue culture for non-neoplastic disorders; amniotic fluid or chorionic villus cells |
Provider Responsibilities and Counseling
Benefit verification and regulatory checks
Verify member benefits, plan coverage, and any Medicare/Medicaid-specific requirements prior to ordering noninvasive prenatal screening (NIPS) or diagnostic testing. Confirm eligibility for laboratory benefits under the member's plan and obtain prior authorization when required by the payer.
- Check member's active coverage and effective dates
- Follow Medicare/Medicaid coverage rules where applicable
- Obtain prior authorization if the plan or product requires it
Confirmatory testing recommendation and test availability
Positive NIPS results are screening findings only and should be followed by confirmatory diagnostic testing. Diagnostic testing options (CVS or amniocentesis) should be discussed and made available; multiple commercial NIPS platforms and laboratory-developed tests exist and may have differing performance characteristics.
- Recommend confirmatory diagnostic testing (karyotype or chromosomal microarray) after a positive NIPS result
- Be aware that multiple validated commercial NIPS platforms are available (e.g., Harmony, MaterniT21, verifi, Panorama, and others)
- Document counseling and the patient’s informed decision regarding follow-up diagnostic testing
Counseling and offers per ACOG/SMFM
Discuss and offer prenatal genetic screening and diagnostic testing options to all pregnant individuals regardless of age or baseline risk. Counseling should cover that NIPS is the most sensitive screening for common aneuploidies but is not diagnostic, can yield false-positive and false-negative results, and does not assess neural tube or many other anomalies. Offer second-trimester fetal anatomy ultrasound (ideally 18–22 weeks) and genetic counseling for positive or inconclusive results.
- Offer one screening approach — avoid performing multiple screening tests simultaneously
- Inform patients that a negative screen lowers but does not eliminate risk; allow opportunity for diagnostic testing later if indicated
- For 'no-call' or uninterpretable NIPS results, inform patient of increased aneuploidy risk and offer ultrasound evaluation and diagnostic testing
Diagnostic options by gestational age (NSGC)
Offer diagnostic testing according to gestational age per NSGC guidance: CVS is the preferred diagnostic option in the first trimester (when diagnostic testing is pursued prior to ~15 weeks), while amniocentesis is the diagnostic option after 15 weeks. Early amniocentesis prior to 15 weeks is not recommended due to increased risks. For patients presenting prior to 14 weeks who are at increased risk, offer both CVS and amniocentesis; if presenting after 14 weeks, offer amniocentesis. Consider referral for fetal echocardiography when increased nuchal translucency (≥95th percentile or ≥3.0 mm) is identified.
- Offer CVS in the first trimester as the diagnostic test of choice if diagnostic testing is desired early
- Avoid amniocentesis before 15 weeks; offer amniocentesis for diagnostic testing after 15 weeks
- For increased NT (≥95th % or ≥3.0 mm), offer diagnostic testing (CVS or amniocentesis) and consider fetal echocardiogram if NT ≥3.5 mm
FDA safety communication — NIPS usage and counseling
Adhere to FDA recommendations regarding NIPS: these tests are screening tools (many are laboratory-developed tests not FDA-cleared) and can produce false results. Prior to testing, discuss benefits, limitations, and risks with the patient and recommend genetic counseling when possible. Emphasize that NIPS is not diagnostic and that confirmatory invasive testing should be used to definitively diagnose fetal aneuploidy.
- Inform patients that NIPS accuracy/performance have not been evaluated by the FDA and NIPS can yield false-positive or false-negative results
- Recommend discussion with a genetic counselor or qualified healthcare provider before testing
- Ensure documentation of counseling about NIPS limitations and plan for confirmatory diagnostic testing if screening is positive
Key Terms
Policy Revision History
New reimbursement policy (AHS-G2055) for prenatal testing for fetal aneuploidy became effective.
Policy was reformatted and reorganized and content transferred to a new template with a new Reimbursement Policy Number.
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