How To Get NIPP Testing on a Payment Plan
- info096124
- Aug 8
- 2 min read
Updated: Aug 30
When it comes to establishing paternity before birth, many families turn to Non-Invasive Prenatal Paternity (NIPP) testing. This safe and accurate DNA test uses a simple blood draw from the mother and a cheek swab from the alleged father, without any risk to the baby.
However, one of the most common concerns people have about NIPP testing is the cost. Since it’s a specialized test, it can be expensive—but the good news is that many labs now offer NIPP testing payment plans to make it more affordable.
1. Understand the Cost of NIPP Testing
NIPP testing typically costs between $1,400 and $2,000, depending on the lab and location.
For many families, paying this amount all at once can feel overwhelming—this is where payment plans come in.
2. Ask About NIPP Testing Payment Plans
Many DNA testing providers understand that families need answers but may not have the funds upfront. Some common payment options include:
Monthly Installments – Break the total cost into smaller, manageable payments.
Low Down Payments – Start the test with a partial payment and pay the rest over time.
Third-Party Financing – Some labs partner with financing companies that allow you to apply for credit-based payment plans.
3. Choose a Lab That Offers Direct Payment Plans
Not all labs provide in-house financing, so it’s important to ask directly. A reputable lab will clearly outline:
The initial deposit required
The length of the payment plan (e.g., 3, 6, or 12 months)
Any interest or fees involved
Pro Tip: Always get the agreement in writing so you understand exactly how much you’ll pay in total.
4. Consider Using Flexible Spending or Health Accounts
If your employer provides a Flexible Spending Account (FSA) or Health Savings Account (HSA), you may be able to use pre-tax dollars toward NIPP testing. While not every plan allows it, it’s worth asking your provider—it could save you money.
5. Don’t Delay Testing Because of Cost
Waiting for answers can be stressful for both expectant parents. Payment plans ensure you don’t have to put off NIPP testing simply because of finances. Getting results early allows families to prepare emotionally, financially, and legally for the baby’s arrival.
Final Thoughts
NIPP testing is an investment in clarity, peace of mind, and preparation for the future. If the upfront cost feels out of reach, don’t worry—payment plans make this important test accessible for more families.
Don’t let cost stop you from getting the information you need. Ask about NIPP payment plans, financing options, and flexible solutions so you can move forward with confidence.
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