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The rules say that plans must pay for a medical service or item if regular Medicare would pay for it in this case. 
You can find this rule at 42 Code of Federal Regulations (CFR) Section 422.101. 
 
The rules say that Medicare provides limited coverage for minimal residual disease (MRD) testing in cancer 
when ALL of the following are true: 
 
1. If Next-Generation Sequencing (NGS) methodology is used in testing, the conditions set by National 
Coverage Determination (NCD) 90.2 are fulfilled (summarized: the patient has advanced cancer; plans on 
being treated for said cancer, and has not been previously tested with the same test for the same genetic 
content) or are not applicable (the patient does not have cancer as defined below); 
2. The patient has a personal history of cancer, the type and staging of which is within the intended use of 
the MRD test; 
3. The identification of recurrence or progression of disease within the intended use population of the test 
is identified in the National Comprehensive Cancer Network (NCCN) or other established guidelines as a 
condition that requires a definitive change in patient management; 
4. The test is demonstrated to identify molecular recurrence or progression before there is clinical, 
biological, or radiographical evidence of recurrence or progression AND demonstrates sensitivity and 
specificity of subsequent recurrence or progression comparable with or superior to radiographical or other 
evidence (as per the standard-of-care for monitoring a given cancer type) of recurrence or progression; 
5. To be reasonable and necessary, it must also be medically acceptable that the test being utilized 
precludes other surveillance or monitoring tests intended to provide the same or similar information, unless 
they either (a) are required to follow-up or confirm the findings of this test or (b) are medically required for 
further assessment and management of the patient; 
6. If the test is to be used for monitoring a specific therapeutic response, it must demonstrate the clinical 
validity of its results in published literature for the explicit management or therapy indication (allowing for the 
use of different drugs within the same therapeutic class, so long as they are considered equivalent and 
interchangeable for the purpose of MRD testing, as determined by national or society guidelines); 
7. Clinical validity (CV) of any analytes (or expression profiles) measured must be established through a 
study published in the peer-reviewed literature for the intended use of the test in the intended population; 
8. The test is being used (a) in a patient who is part of the population in which the test was analytically 
validated and (b) according to the intended use of the test; 
9. The MRD test [unless it is a Food and Drug Administration (FDA) approved and established standard-of-care single-gene polymerase chain reaction (PCR)] satisfactorily completes a technical assessment (TA) that 
will evaluate and confirm that the analytical validity, clinical validity, and clinical utility criteria set in this 
policy are met to establish the test as Reasonable and Necessary; 
10. Tests utilizing a similar methodology or evaluating a similar molecular analyte to a test for which there 
is a generally accepted testing standard or for which existing coverage exists must demonstrate equivalent or 
superior test performance (i.e., sensitivity and/or specificity) when used for the same indication in the same 
intended-use population. 
 
You can find this information in the Local Coverage Determination (LCD): MolDX: Minimal Residual Disease 
Testing for Cancer (L38814). 
 
If you want to read these Medicare rules, you can go to this website www.medicareappeal.com. 
 
The Plan contract says that the Plan covers items and services in accordance with Medicare rules.