The company Natera offers a blood test to pregnant women that checks for fetal abnormalities. Natera offers what it calls a “prompt-pay cash price” for these tests. A Genetic Test For A Microscopic Problem Came With A Jumbo Price Tag Molecular diagnostics are at the frontier of medical science. In fact, it reflects a reality of the U.S. health care system: Paying the out-of-pocket cash price can sometimes be cheaper than using health insurance. “I don’t just pay them right away.”A high insurance price and lawsuitsPart of the problem for consumers is the list price for insurers.