<prompt> Human: So, heres a quick rundown of the situation: My wife and I are expecting kid 3 next February. My wife is over age 35, so her doctor recommended that she undergo pre-natal genetic testing to screen for Down Syndrome, plus a host of other genetic abnormalities. Her doc told her that its a simple blood test, usually covered 100 by insurance plans.Before she agreed to the test, I contacted our insurance company to ask if they covered pre-natal genetic testing. Yes, they did, but since were on a high-deductible plan, our deductible will apply. Okay, no problem.A couple weeks ago, my wife had the blood draw. We havent heard any results yet, but the claim did show up on my insurers website, and I saw the Explanation of Benefits. I also saw a horrifying number in the what you can expect to pay category: 5,750.Basically, the genetic testing company, Natera, billed my insurer 8,000. My insurer paid them nothing, 750 goes toward the deductible, and an additional 5,000 screening test was not covered and therefore passed along to us. Apparently, Natera did a screening for genetic microdeletions, which I had never heard of, and which my insurer does not cover at all. There was no way for us to know beforehand that 1 Natera would screen for microdeletions, and 2 my insurer would not cover that particular test.If we had all this to do again, I dont think we would choose to do the pre-natal genetic testing considering how much we might have to pay out of pocket. Right now, Im waiting to hear what Natera says. Maybe theyll just eat the cost of that test and bill us the remaining 750. Ha, right.Any advice for this situation? Searching reveals similar tales from others who have had genetic testing not covered by insurance, but Im having trouble finding follow-ups. Im bracing myself for a huge bill, but Ive never been in a situation like this before, and I cant believe that this one blood draw might cost us 5,750. Should I bother reaching out to Natera before we get a bill, or should we just wait to see what happens?Im not even sure whos supposed to by my ally here: the genetic testing company, my insurer, or my wifes doctor? Maybe none of the above. Any advice is certainly appreciated.  <response>: We always call our insurance and ask them to explain and ask questions until we understand. They can be an invaluable advocate in these situations.Ours was covered under insurance but Natera billed us around 8000 extra. Called them and was offered the low, low price of 400 to settle the account. Seems like a great deal, right? Something didnt seem right so I then called our insurance company Anthem and it turns out they were over billing what was allowed. Had the insurance 3-way call with Natera. Natera: whoops, turns out we had a billing error. Our bad. Your account balance is now zero and we will send the confirmation out by mail. Seems like they are taking advantage of peoples lack of knowledge of insurance contracts. Anything they can extract directly from the patient is bonus profit. 