Are you wondering how much does a paternity test cost? You may have heard about the tests, but you might not have known about how affordable they are.
There are a lot of people that wish to conduct a paternity test. Many times, these tests occur when a married man finds out he is the father of a child that is not his or testifies that he is not the father. Not only this, but paternity tests can help families get the closure they deserve.
Continue reading to know the average price and how to pay for the test.
Compare the Cost of Home vs Laboratory Paternity Tests
The cost of a paternity test can differ depending on the type of test administered and who performs it. In general, a home paternity test costs anywhere between $25 and $200 for the kit itself. On the other hand, a laboratory paternity test typically costs between $200 and $1500.
Home paternity testing provides quick results at an affordable price and can be done in the privacy of your own home. However, laboratory paternity tests tend to be far more accurate.
The laboratory performs a thorough analysis of the collected DNA samples. They are using the most advanced and sophisticated technology available.
For this reason, the cost of laboratory paternity tests is proportionally higher than home paternity tests. Depending on the situation, spending a bit more for a laboratory paternity test is usually well worth it for a more exact result.
Standard Paternity Test Cost & Pricing Overview
A standard paternity test starts at around $99-159. This can vary depending on the number of participants being tested, the type of test, and individual lab pricing.
Testing can be done with a standard or upgraded test package. It can include additional extras like paternity index, legal/court support, or same-day/rush results.
Ultimately, the cost of a paternity test can range anywhere from $99 to several thousand. It’s just a matter of finding the right company with the right options that fit your individual needs.
Understand Additional Expenses Associated with Paternity Tests
Depending on the type of test, additional costs may include specimen collection and processing fees. It will also include lab fees, consultation fees, processing fees, and/or professional fees. It’s important to understand what all these fees entail before having a paternity test conducted.
Other expenses may include legal fees associated with using the test results in a court of law and hiring a paternity lawyer. There are also costs associated with changing legal documents such as birth certificates and insurance.
Funding Options to Help Cover the Cost
There are a few potential funding options to help cover the cost of paternity tests. If you are seeking financial assistance, there are a few options that you can explore.
Medicaid
If you are receiving Medicaid, you may be eligible for financial assistance in obtaining a paternity test. Medicaid typically pays for paternity testing for Medicaid-eligible individuals. This is often in cases where paternity must be established for legal purposes or for child support orders concerning fathers rights.
However, some state Medicaid programs may have additional eligibility requirements or reimbursement limits. You should check with your state Medicaid office for more information. The costs associated with obtaining a paternity test through Medicaid may vary, so it is best to check with your provider before you plan to have the test done.
Private Health Insurance
Private health insurance companies may cover these costs, depending on the level of coverage and the specific plan. Depending on your insurance, you may be able to have the cost of the test covered in full, or you may be partially or fully reimbursed. Be sure to check your policy to see what is covered.
Child Support Services
Testing fees can be paid upfront or may be covered by health insurance and/or state child support services. If a party cannot bear the financial burden, the court may agree to waive the testing fees. In cases where the alleged father is able or willing to pay for the testing, the results may be used as evidence for child support services.
Nonprofit Organizations
When considering the cost of a paternity test for families without the financial resources to pay out of pocket, nonprofit organizations can offer an affordable option. These organizations will often cover the cost of a paternity test in whole, or assist in subsidizing the cost. Depending on the family’s needs and the resources available, a nonprofit organization or other form of charity may be the best way to provide an affordable paternity test.
Legal Aid and Family Law Assistance
Legal aid and family law assistance is a government program available to those within certain income and asset brackets, which can help to cover the cost of a paternity test. This aid may cover either part or all of the test cost, making it an accessible resource for those who cannot afford the paternity test on their own.
Payment Plans
Some paternity testing centers provide online payment plans, such as credit cards, PayPal, and financing options. Furthermore, some paternity centers provide in-house financing options like installment plans. On average, payment plans for paternity tests start around $50 to $100 per month; however, these payment configurations can vary based on the company and testing options.
Tips for Choosing the Most Cost-Effective Option
When selecting the most cost-effective option, it is important to consider who will be paying for the test. Also, choose the type and complexity of the test, the laboratory providing the testing services, and other factors. Knowing the average cost of paternity testing can help to get an idea of what the basic price range is.
It is also important to call around and compare quotes from different laboratories. Additionally, ensure the laboratory performing the test uses reliable procedures and can provide accurate results.
Are You Now Ready to Get a Paternity Test?
Paternity testing is an accessible, reliable way to determine biological fatherhood. The paternity test cost can vary depending on the circumstances. On average, prices range from several hundred dollars to more than a thousand.
If you are considering a paternity test, be sure to consider all costs associated with the test. If you are seeking a quality paternity test, be sure to research the process and company before selecting them for your needs. Take proactive steps to receive accurate results today!
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