Preimplantation Genetic Testing and Related Services
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This policy governs coverage criteria, coding, and clinical considerations for preimplantation genetic testing (PGT) — including PGT-M, PGT-SR, and PGT-A — and related services for UnitedHealthcare members, specifying when testing is considered medically necessary or not. It applies nationally except for states with separate state-specific policies listed in the document.
Updated list of applicable CPT codes to reflect quarterly edits; added 0552U, 0553U, 0554U, and 0555U.
Coverage Criteria and Evidence Summary
inv-01: Medically necessary: PGT-M and PGT-SR — Covered when ALL of the following are met:
Covered when ALL of the following are met:
Testing methods include PCR, NGS, or chromosomal microarray (CMA) as appropriate; the medical condition being prevented must result in significant health problems or severe disability.
inv-02: Medically necessary: PGT for HLA typing — Covered when the following is met:
Covered when the following is met:
Multidisciplinary coordination and counseling required; diagnostic efficacy and success depend on maternal age, oocyte/embryo yield, and center-specific factors.
inv-03: Not medically necessary: PGT-A, PGT-P, gender selection without risk — Unproven / not medically necessary indications
Considered unproven and not medically necessary for the following indications:
PGT must be ordered after genetic counseling; PGT-P is not recommended for clinical use outside research settings per professional society guidance.
inv-04: Covered when clinically indicated — Evidence-supported indications and considerations
Evidence-supported indications and considerations
See pooled data and cohort studies for outcome rates.
Ordering should be performed within ART by clinicians experienced in reproductive genetics and documented in clinical records.
inv-05: Evidence limitations — Limitations and uncertainty
Limitations and uncertainty
Data on biopsy type, embryo selection protocols, number/quality of embryos, and techniques are frequently incomplete or variable.
inv-06: Evidence-based coverage considerations — Evidence-based findings and subgroup-specific considerations
Evidence-based findings and subgroup-specific considerations from the provided sections
Diagnostic efficacy in Kakourou et al. was 78.5% with subsequent ET and live births reported.
Benefits are subgroup-dependent and more consistent with blastocyst biopsy and modern platforms.
Consider CLBR per cycle and the impact of methodology when assessing utility.
Platform choice (NGS vs aCGH vs FISH) and amplification methods affect detection of segmental aneuploidies and mosaicism.
inv-07: Coverage stance and clinical-use criteria — Coverage and clinical-use statements summarized from professional societies and evidence
Coverage and clinical-use statements summarized from professional societies and evidence considered in the document:
Supported by ACOG, ASRM, ESHRE and other society guidance.
ASRM/ SART and ACOG note mixed evidence and call for selective use and further studies.
ACMG and ESHRE/ESHG recommend against routine clinical application and call for more research.
PGDIS position statements recommend reporting relative mosaic percentage and using it in counseling and prioritization.
PGT is considered unproven and not medically necessary for populations and clinical situations that are not explicitly listed as medically necessary in this policy. Examples include, but are not limited to, routine aneuploidy screening (PGT-A), determining embryo gender when there is no risk of a sex-linked disorder, and preimplantation prediction or selection using polygenic risk scores (PGT-P/ESPS). PGT testing must be ordered after appropriate genetic counseling and documentation supporting an evidence-based indication is required for coverage consideration.
Assessment of clinical benefit is limited by incomplete and inconsistent reporting of key procedural and population details in the literature. Important data gaps include the specific PGT technique used, biopsy timing/type (day 3 vs day 5 trophectoderm biopsy), protocols for selecting embryos, the number and morphology of embryos available, and disposition of discarded embryos. These documentation and reporting limitations reduce the ability to determine whether observed outcomes are attributable to PGT itself or to underlying patient or laboratory factors.
Current evidence does not support the universal, routine use of PGT-A for all patients undergoing IVF. Systematic reviews and randomized trials show heterogeneous results with respect to cumulative live birth rate and other clinical outcomes, and benefits—when present—appear to be limited to selected subgroups (for example some older patients or specific clinical contexts). Routine application of PGT-A across the general infertility population is not supported without a documented clinical indication and appropriate counseling.
Preimplantation genetic testing using polygenic risk scores (PGT-P) is currently inappropriate for routine clinical use. Professional society statements and evidence reviews identify limited or no demonstrated clinical utility, substantial ethical and social concerns, and recommend that PGT-P be restricted to research settings until further validation and societal guidance are available.
The document references multiple position statements and systematic reviews that question or limit specific PGT practices. Cited guidance emphasizes methodological limitations (for example sampling and mosaicism issues), ethical concerns for embryo selection based on polygenic scores, and the need for laboratory- and assay-specific validation prior to clinical implementation. These professional positions inform the policy's exclusion of certain PGT uses from standard clinical coverage.
Preimplantation testing aimed at aneuploidy screening for unselected populations, non–medically indicated gender determination, and embryo selection based on polygenic risk scores is not supported as medically necessary. The policy explicitly lists PGT-A, gender determination when not at risk for a sex-linked disorder, and PGT-P/ESPS among unproven indications that may be denied as not medically necessary.
Prospective, randomized studies are needed to clarify clinical effectiveness for many PGT uses. Until higher-quality, generalizable RCT evidence is available, routine use of PGT without a clear, documented clinical indication is not supported. Coverage and clinical decisions should therefore prioritize established indications and consider selective use within well-defined patient subgroups.
PGT-A should not be applied indiscriminately as a routine adjunct to IVF across the general infertility population. Randomized and registry data have produced mixed results on cumulative live birth rate and per-transfer outcomes; where benefit has been observed it is subgroup-dependent (for example, select older patients or trials using contemporary blastocyst biopsy and NGS). Prior authorization and counseling should reflect this evidence uncertainty.
Selection of embryos based on polygenic risk scores for common, multifactorial diseases is currently considered not medically necessary. Evidence demonstrating clinical utility for preimplantation polygenic selection is lacking and professional organizations recommend against routine clinical application.
Covered Indications for Preimplantation Genetic Testing
inv-56: Prevention of single-gene (monogenic) disorders when embryo is at increased risk due to parental carrier status (PGT-M)
Testing modalities include PCR, NGS, or CMA and prenatal confirmatory testing should be offered.
inv-57: Prevention/detection of inherited structural chromosome rearrangements when at increased risk due to parental structural rearrangement (PGT-SR)
PGT-SR can identify balanced/normal embryos and may reduce miscarriage risk and improve live birth rates in some cohorts; laboratory method affects detection of de novo segmental aneuploidy.
inv-58: HLA typing of embryo to enable future child to be a donor for an affected sibling (PGT-HLA)
Success depends on maternal age, oocyte/embryo yield, diagnostic efficacy of the assay, and requires multidisciplinary coordination.
inv-59: Known parental pathogenic variant causing a monogenic disorder (PGT-M) — pooled data indicate clinical pregnancy and live birth rates
Pooled data: 5,305 stimulated cycles, 1,577 live births (systematic review).
inv-60: Parental balanced structural chromosomal rearrangement (PGT-SR) — may reduce miscarriage risk and improve live birth rates in some cohorts
Studies report variable euploid embryo proportions (e.g., ~10.8% in pooled CCR analyses) and improved live birth outcomes post-PGT-SR in selected series.
inv-61: Need for HLA-compatible offspring to enable HSCT (PGT-HLA) — diagnostic efficacy and pregnancy rates; multidisciplinary coordination required
Multicenter study diagnostic efficacy ~78.5%; coordination with transplant teams and counseling required.
inv-63: PGT-HLA to enable birth of an HLA-matched child for HSCT in an affected sibling — evidence shows diagnostic efficacy but clinical success depends on maternal age and embryo yield
Study (Kakourou et al.) reported diagnostic efficacy 78.5% and reported HSCTs performed in some resulting children.
inv-64: PGT-A for individuals of advanced maternal age or select cases of recurrent pregnancy failure/loss where evidence suggests possible benefit
Benefits are more consistent with blastocyst biopsy and contemporary NGS methods; counseling on limitations required.
inv-65: Identified significant reproductive risk from known pathogenic germline variant(s) (PGT-M) or structural chromosomal rearrangement (PGT-SR)
Professional guidance supports offering PGT-M/PGT-SR when diagnosis is reliable and testing is appropriate for the expected genetic change.
inv-66: PGT for monogenic disorders, aneuploidy, and structural rearrangements — professional society guidance and systematic reviews cited support clinical use in specified scenarios
Refer to society opinions for condition-specific recommendations and counseling requirements.
Eligibility Requirements and Preconditions
Eligibility statements in this policy are determined by the presence of a documented, evidence-based clinical indication for PGT and by adherence to the policy's coverage criteria. Coverage is limited to PGT indications explicitly described as medically necessary (for example, PGT-M, PGT-SR, and PGT-HLA under specified conditions); other uses are considered unproven or not medically necessary.
Eligibility for PGT-M requires documentation that the embryo is at increased risk due to a known parental pathogenic variant or carrier status. For PGT-HLA, eligibility includes a documented need to produce an HLA-compatible offspring to enable hematopoietic stem cell transplantation for an affected sibling; clinical context and multidisciplinary coordination must be evident in the medical record.
Eligibility for PGT-SR is contingent on parental identification of a structural chromosomal rearrangement and the use of validated testing methods capable of detecting the expected unbalanced products. Clinical documentation should include cytogenetic confirmation in the parents and counseling about expected embryo yield and reproductive alternatives.
For PGT-A, coverage considerations are limited to selected high-risk scenarios where evidence suggests possible benefit (for example, some individuals of advanced maternal age or specific recurrent pregnancy failure/loss cases). Eligibility should be supported by clinical documentation of the indication, expected embryo availability, and counseling regarding limitations.
All services billed under PGT must be accompanied by documentation of pre‑test genetic counseling and relevant prior testing: confirmation of parental pathogenic variants for PGT-M, parental karyotype for PGT-SR, or documentation supporting a medically indicated rationale for PGT-A/PGT-HLA.
Claims or prior authorization requests lacking sufficient clinical detail—such as the specific intended indication, testing method, number and quality of embryos available, and prior genetic test results—may be denied as documentation gaps limit demonstration of medical necessity.
Eligibility decisions should incorporate genetic counseling recommendations from professional societies. For PGT-M and complex indications, an experienced PGT genetic counselor should be involved in case review and documentation to support the clinical necessity of testing.
Where PGT is requested for embryo selection within assisted reproduction, eligibility should consider patient age, prior ART history, and the anticipated number of blastocysts suitable for biopsy; some studies required a minimum number of blastocysts to qualify for enrollment, reflecting that embryo yield influences clinical utility.
Eligibility for PGT-HLA requires documentation of an affected sibling and clear intent to use an HLA-matched offspring as a donor for hematopoietic stem cell transplantation. Multidisciplinary coordination and counseling must be documented.
Ordering of PGT must follow comprehensive pre-test genetic counseling and should be performed by clinicians experienced in assisted reproductive technologies in collaboration with genetic counseling teams. PGT should be ordered only after counseling has been provided and documented.
Provider Actions, Documentation, and Prior Authorization
Prior Authorization Required
Prior authorization may be required. Requests should confirm the clinical indication for testing (PGT-M, PGT-SR, PGT-A, PGT-HLA, PGT-P) and the testing method (e.g., PCR, CMA, NGS, targeted mutation analysis, trophectoderm biopsy, polar body). Prior authorization reviewers will verify that the requested test corresponds to a covered indication per policy (eg, PGT-M, PGT-SR, PGT-HLA) and that unproven indications (eg, routine PGT-A, PGT-P/ESPS, gender selection without sex‐linked risk) are clearly justified if requested.
- Confirm test type and method (PCR, CMA, NGS, targeted mutation analysis, trophectoderm biopsy vs polar body).
- Identify whether the request is for PGT-M, PGT-SR, PGT-HLA (typically covered) or for PGT-A/PGT-P (often unproven).
Clinical Context Must Be Documented
Prior authorization decisions should consider clinical context including maternal age, number and quality of blastocysts available, prior assisted reproductive technology (ART) history (eg, prior IVF cycles, prior miscarriages), and the intended use of results (eg, embryo selection for transfer, HLA matching). Requests lacking context about ovarian reserve, embryo yield, or planned embryo management may be inadequate for approval.
- Provide maternal age, number of blastocysts available for biopsy, and embryo morphology/quality.
- Document prior ART history (number of prior IVF cycles, prior transfers, prior pregnancy losses).
Pre-Test Genetic Counseling Expected
Comprehensive pre-test genetic counseling by qualified personnel (eg, certified genetic counselor or clinician with genetics expertise) is expected and PGT must be ordered after counseling. Counseling should cover the test limitations, possible outcomes (including mosaicism), alternative reproductive options, psychosocial and ethical considerations, and recommendations for prenatal diagnostic confirmation when appropriate.
- Document that genetic counseling occurred prior to ordering and include counselor name/credentials and date of counseling in the medical record.
- Counseling should include discussion of limitations, potential need for confirmatory prenatal testing (CVS/amniocentesis), and alternatives to PGT.
Documentation Gaps May Trigger Denial
Insufficient medical records or missing genetic counseling documentation increases risk of coverage denial. Prior authorization and claim review require clear documentation of the indication, testing method, biopsy type, number of embryos available, embryo morphology, and prior ART attempts. Lack of these elements may result in denial as medical necessity cannot be established.
- Include indication for PGT, relevant genetic diagnosis or family history, and prior ART history.
- Specify biopsy type (trophectoderm vs polar body), testing laboratory method, and number/quality of blastocysts available.
Evidence Limitations May Affect Coverage
Evidence limitations for certain PGT indications (notably routine PGT-A and PGT-P) may lead to denial. Routine aneuploidy screening (PGT-A) and polygenic risk/ESPS (PGT-P) lack consistent high-quality evidence demonstrating improved cumulative live birth rate for many populations; coverage will be adjudicated against current evidence and professional guidance.
- PGT-A: provide evidence of likely clinical benefit given maternal age, number of embryos, and prior outcomes; consider conservative options if benefit not demonstrated.
- PGT-P/ESPS: generally considered unproven — expect denials absent compelling, plan‑approved rationale.
Reference Benefit‑Specific Requirements
When PGT is considered, providers should reference member-specific federal, state, or contractual benefit requirements. Plan terms govern coverage determinations and may impose additional constraints or mandate coverage for specific indications regardless of this policy.
- Verify member benefits and any state or federal mandates prior to submission.
- If benefit language conflicts with this policy, plan-specific requirements prevail.
Consideration of Alternatives Recommended
Consider alternatives before authorizing PGT-A or other unproven uses. For many patients, conservative management, standard IVF without PGT-A, repeat cycles, or targeted diagnostic approaches (eg, diagnostic prenatal testing when pregnancy achieved) may be appropriate. For some balanced translocation carriers, natural conception with prenatal diagnosis may yield similar live birth rates to PGT-SR.
- Document discussion of alternatives (natural conception, expectant management, repeat IVF without PGT-A).
- For translocation carriers, document counseling about natural conception vs PGT-SR outcomes.
Mosaic Embryo Prioritization
If mosaic embryos are being considered for transfer after PGT-A, providers should document counseling about mosaicism and follow PGDIS prioritization guidance: prioritize euploid embryos first; if selecting among mosaic embryos, prefer lower percent mosaicism (eg, <40%) and consider morphology and nature of specific chromosome involvement when applicable.
- Document level (%) of mosaicism reported and counseling provided regarding risks and uncertainty.
- If no euploid embryos exist, explain rationale for prioritizing a given mosaic embryo (level of mosaicism, morphology).
Coding, Procedure Codes, and Billing
| 0254U | Reproductive medicine (preimplantation genetic assessment), analysis of 24 chromosomes using embryonic DNA genomic sequence analysis for aneuploidy, and a mitochondrial DNA score in euploid embryos, results reported as normal (euploidy), monosomy, trisomy, or partial deletion/duplications, mosaicism, and segmental aneuploidy, per embryo tested. |
| 0552U | Reproductive medicine (preimplantation genetic assessment), analysis for known genetic disorders from trophectoderm biopsy, linkage analysis of disease-causing locus, and when possible, targeted mutation analysis for known familial variant, reported as low-risk or high-risk for familial genetic disorder. |
| 0553U | Reproductive medicine (preimplantation genetic assessment), analysis of 24 chromosomes using DNA genomic sequence analysis from embryonic trophectoderm for structural rearrangements, aneuploidy, and a mitochondrial DNA score, results reported as normal/balanced (euploidy/balanced), unbalanced structural rearrangement, monosomy, trisomy, segmental aneuploidy, or mosaic, per embryo tested. |
| 0554U | Reproductive medicine (preimplantation genetic assessment), analysis of 24 chromosomes using DNA genomic sequence analysis from trophectoderm biopsy for aneuploidy, ploidy, a mitochondrial DNA score, and embryo quality control, results reported as normal (euploidy), monosomy, trisomy, segmental aneuploidy, triploid, haploid, or mosaic, with quality control results reported as contamination detected or inconsistent cohort when applicable, per embryo tested. |
| 0555U | Reproductive medicine (preimplantation genetic assessment), analysis of 24 chromosomes using DNA genomic sequence analysis from embryonic trophectoderm for structural rearrangements, aneuploidy, ploidy, a mitochondrial DNA score, and embryo quality control, results reported as normal/balanced (euploidy/balanced), unbalanced structural rearrangement, monosomy, trisomy, segmental aneuploidy, triploid, haploid, or mosaic, with quality control results reported as contamination detected or inconsistent cohort when applicable, per embryo tested. |
| 81228 | Cytogenomic (genome-wide) analysis for constitutional chromosomal abnormalities; interrogation of genomic regions for copy number variants, comparative genomic hybridization (CGH) microarray analysis. |
| 81229 | Cytogenomic (genome-wide) analysis for constitutional chromosomal abnormalities; interrogation of genomic regions for copy number and single nucleotide polymorphism (SNP) variants, comparative genomic hybridization (CGH) microarray analysis. |
| 81349 | Cytogenomic (genome-wide) analysis for constitutional chromosomal abnormalities; interrogation of genomic regions for copy number and loss-of-heterozygosity variants, low-pass sequencing analysis. |
| 81479 | Unlisted molecular pathology procedure. |
| 89290 | Biopsy, oocyte polar body or embryo blastomere, microtechnique (for pre-implantation genetic diagnosis); less than or equal to 5 embryos. |
| 89291 | Biopsy, oocyte polar body or embryo blastomere, microtechnique (for pre-implantation genetic diagnosis); greater than 5 embryos. |
| 58970 | Follicle puncture for oocyte retrieval, any method. |
| 58974 | Embryo transfer, intrauterine. |
| 76948 | Ultrasonic guidance for aspiration of ova, imaging supervision and interpretation. |
| 89250 | Culture of oocyte(s)/embryo(s), less than 4 days. |
| 89251 | Culture of oocyte(s)/embryo(s), less than 4 days; with co-culture of oocyte(s)/embryos. |
| 89253 | Assisted embryo hatching, microtechniques (any method). |
Not Covered / Exclusions
Services described as not covered in this policy include PGT-A, PGT-P/ESPS, and gender determination when performed in the absence of a documented risk for a sex-linked disorder. These indications are identified as unproven and not medically necessary and may be denied when submitted for coverage without an evidence-based medical indication.
Routine PGT performed without a clearly documented, evidence-based clinical indication lacks sufficient randomized trial support and is not supported as standard of care. Requests for routine or universal PGT should be evaluated in light of the available randomized and high-quality evidence and may be excluded from coverage when no specific indication is present.
The policy explicitly does not support routine, universal application of PGT-A for all patients undergoing IVF because current evidence is mixed and, in some analyses, shows no improvement in cumulative live birth rate. Coverage for PGT-A is limited to indications and patient subgroups where benefit is supported by the evidence.
Preimplantation genetic testing using polygenic risk scores (PGT-P) is not supported for clinical use and should not be offered clinically outside of approved research settings. Professional society guidance emphasizes lack of proven clinical utility and ethical concerns that preclude routine clinical implementation.
The policy references ESHRE, ACMG, and ESHG position statements that caution against embryo selection based on polygenic risk scores. These professional positions are cited to support the exclusion of PGT-P/ESPS from routine clinical coverage pending further research and broader societal and ethical consensus.
Definitions and Background
Preimplantation genetic testing encompasses different test types with distinct clinical goals: PGT-M for single-gene (monogenic) disorders, PGT-SR for structural chromosome rearrangements, PGT-A for aneuploidy screening, and PGT-HLA for HLA typing to enable sibling donor matching. PGT can prevent transmission of known pathogenic variants or identify HLA-compatible embryos in specific clinical contexts, but clinical effectiveness and safety vary by indication, technique, and population.
Policy Updates and Revision History
Applicable CPT/HCPCS codes were updated to reflect quarterly edits; codes 0552U, 0553U, 0554U, and 0555U were added
Previous policy version CS160.L was archived when the new version became effective
This policy was updated effective 07/01/2025 to reflect coding changes. New procedure codes 0552U–0555U were added to the Applicable Codes list; providers should verify and use current codes when requesting prior authorization or submitting claims.
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