Many insurers will pay some or all of the costs for genetic testing. However, the most important part of the test, the genetic counseling, is usually a separate charge that is not covered by insurance. In some testing programs, the genetic counseling charges are free, whereas genetic counseling in other testing programs can cost more than $300.
Even if the genetic test is covered by insurance, many women opt to pay out-of-pocket for the test in order to protect their privacy and avoid potential discrimination. Despite these concerns, there have been no documented reports of anyone having been discriminated against due to the results of their BRCA1 or BRCA2 genetic tests.