Genetic testing for cancer includes several types of medical tests that analyze DNA. Some look for inherited gene changes that may increase cancer risk. Others examine the genetic features of a tumor to help guide treatment decisions. It is not one single test. They are a family of technologies, each designed for a specific clinical purpose and moment in your health journey.
For people focused on prevention, the most relevant type is hereditary cancer risk testing, which looks for inherited gene changes that increase your lifetime cancer risk, long before any diagnosis. This guide explains the major types of cancer genetic tests, what each is for, who they apply to, and how to access them.
Two Facts Everyone Should Know
5–10%
of cancers are caused by inherited mutations. Identifiable through hereditary risk testing.
1 in 3
Americans will be diagnosed with cancer in their lifetime.
Hereditary cancer risk and pharmacogenomic variants affect the vast majority of adults. Both are identifiable through genetic testing.
Source: American Cancer Society, pharmacogenomics research.
What Are Cancer Genetic Tests?
Cancer genetic tests use DNA analysis to identify genetic factors that affect cancer risk or cancer behavior.
The term covers several fundamentally different types of tests that are often grouped but serve very different purposes.
The most important distinction is whether a test looks at your inherited DNA or at the DNA of cancer cells:
Inherited DNA testing, also called germline testing, analyzes the DNA you were born with, present in every cell of your body, inherited from your parents. Used to assess hereditary cancer risk. Results are relevant for your entire lifetime and may affect biological family members. (NCI, Genetic Testing Fact Sheet)
Cancer cell DNA testing, also called somatic testing, analyzes mutations that have developed within cancer cells. Used to guide cancer treatment decisions after a diagnosis. Results apply to that specific cancer and are not inherited. (National Cancer Institute)
Hereditary Cancer Testing vs. Tumor Testing vs. Liquid Biopsy: Understanding the Differences
These three terms are often confused. Here is what each one actually means:
Hereditary cancer risk testing: Looks at the DNA you were born with for inherited gene changes linked to elevated lifetime cancer risk. Relevant for anyone with a family history of cancer or prevention goals. This is the type that most of this guide focuses on.
Tumor genomic sequencing (somatic): Looks at the DNA inside cancer cells after a diagnosis to identify mutations that may predict which treatments will work. Not an inherited risk test.
Liquid biopsy / ctDNA: Detects fragments of tumor and other cancer cell DNA circulating in the bloodstream. Used for cancer recurrence monitoring, treatment response tracking, and in some emerging applications, early cancer detection. Not an inherited risk test.
Why Cancer Genetic Tests Matter
Cancer Genetic Testing: Why It Matters in 2026
Key statistics on hereditary cancer risk and early detection
2M+
new cancer cases diagnosed per year in the U.S.
American Cancer Society
5–10%
caused by inherited genetic mutations
American Cancer Society
91.1%
five-year survival at Stage 1 localized detection
NCI SEER
3
CDC Tier 1 Genomic Applications
CDC
According to the American Cancer Society, 1 in 3 individuals will be diagnosed with cancer in their lifetime. Of those cases, 5–10% are caused by inherited gene changes that can be identified through hereditary cancer screening before any cancer develops.
That matters because of timing. Stage 1 localized cancer detection is associated with approximately 91% five-year survival rates, according to NCI SEER data, compared to approximately 30.6% when cancer has spread. Identifying inherited risk before a diagnosis creates the opportunity to detect cancer earlier, or to take protective steps before it has a chance to develop at all. (American Cancer Society, Family Cancer Syndromes)
Which Cancer Genetic Test Applies to You?
Each test answers a different clinical question
Test Type
What It Analyzes
Sample
Who It's For
Hereditary Cancer Risk
Inherited DNA: mutations present since birth
Cheek swab, saliva, or blood
Anyone with a family history of cancer or prevention goals
Cancer Genomic Sequencing
Mutations within cancer cells
Biopsy tissue in solid tumors or blood cells in blood-based cancers
People who have been diagnosed with cancer. Guides treatment.
Liquid Biopsy (ctDNA)
Tumor or cancer cell DNA fragments circulating in the blood
Blood draw
Cancer survivors monitoring for recurrence or people in active treatment.
Each test answers a different clinical question. Most people focused on prevention need the hereditary cancer risk panel. People already diagnosed with cancer may need cancer cell genomic sequencing, liquid biopsy, or both.
What Types of Cancer Genetic Tests Exist?
Hereditary Cancer Risk Testing (Germline)
A hereditary cancer risk panel analyzes DNA from a cheek swab, saliva sample, or blood draw to simultaneously assess multiple genes for inherited gene changes linked to elevated cancer risk. This is the primary cancer genetic test for prevention-focused individuals and those with a family history of cancer.
Panel testing has replaced older approaches that tested one gene at a time. A modern panel covers 25 to 80 genes (sometimes more) in a single test, giving a comprehensive view of hereditary cancer risk. The results apply to your lifetime risk and may be relevant for biological family members who could share the same inherited gene changes.
Cancer cell genomic sequencing, also called somatic testing of cancer tissue, analyzes the specific gene mutations present in a cancer. This test is done after a cancer diagnosis and is used to:
Identify targetable gene changes that predict whether a specific cancer therapy is likely to work, for example, HER2 amplification in breast cancer or EGFR mutations in lung cancer
Detect gene changes linked to resistance to standard treatments
Match patients to clinical trials targeting specific mutations
Guide precision oncology treatment planning
Cancer genomic sequencing analyzes DNA from the cancer itself. This may involve biopsy or surgical tissue from a solid tumor, or a blood or bone marrow sample in certain blood cancers. It is distinct from hereditary cancer testing. It tells you what mutations developed in the cancer cells, not what you inherited from your parents. Comprehensive tumor genomic panels can cover 300 to 600 or more genes within the tumor.
Liquid Biopsy and Circulating Tumor DNA (ctDNA)
A liquid biopsy is a non-invasive blood test that detects fragments of tumor DNA, called circulating tumor DNA (ctDNA), released into the bloodstream by cancer cells. Although the term ctDNA includes the word “tumor,” liquid biopsy can also detect cancer-derived DNA from certain blood cancers, even when there is no solid tumor. It is used in several ways:
Recurrence monitoring: In some cancer types, liquid biopsy can detect returning cancer 18 to 36 months earlier than traditional imaging, giving more time to act.
Treatment response tracking: Monitoring whether cancerDNA levels are falling (suggesting treatment is working) or rising (suggesting resistance or disease progression).
Emerging early detection: Multi-cancer early detection (MCED) blood tests are designed to look for signs that cancer may already be present. Some are now available commercially, but this category is still emerging and under development. These tests look for signals of possible cancer, not inherited risk factors. They are different from hereditary cancer risk panel testing.
Liquid biopsy is a rapidly evolving field. Its clinical usefulness varies significantly by application, cancer type, and the specific test used. (NCI SEER Database)
Which Cancers Have Associated Hereditary Genetic Risk Tests?
Hereditary genetic cancer risk tests exist for a wide range of cancer types. The following cancers have the most well-established hereditary risk testing frameworks, with clinical guidelines supporting testing for eligible individuals.
Breast and Ovarian Cancers
Hereditary Breast and Ovarian Cancer syndrome, known as HBOC, caused primarily by BRCA1 and BRCA2 gene changes, is the most thoroughly studied hereditary cancer condition:
BRCA1 mutation carriers: Lifetime breast cancer risk up to 72%; lifetime ovarian cancer risk up to 44%
BRCA2 mutation carriers: Lifetime breast cancer risk up to approximately 69%; lifetime ovarian cancer risk of 11–17%
Other gene mutations linked to breast cancer risk: PALB2, ATM, and CHEK2 are associated with moderate risk elevation; TP53 is associated with high risk in Li-Fraumeni syndrome
Other gene mutations linked to ovarian cancer risk: BRIP1, RAD51C, RAD51D, and Lynch syndrome genes are also associated with elevated ovarian cancer risk
HBOC is 1 of 3 CDC Tier 1 Genomic Applications, meaning the scientific evidence for population-level genetic testing and acting on results is strong.
Colorectal Cancer
Lynch syndrome, caused by changes in mismatch repair genes including MLH1, MSH2, MSH6, and PMS2, as well as certain EPCAM deletions, is the most common hereditary colorectal cancer condition. It accounts for approximately 3 to 5% of all colorectal cancer cases, and carriers face a lifetime colorectal cancer risk of up to 80%.
Familial adenomatous polyposis (FAP), caused by APC gene changes, leads to nearly certain colorectal cancer development if untreated, with hundreds to thousands of polyps developing in the colon beginning in adolescence. MUTYH-associated polyposis (MAP) is a related condition with elevated colorectal cancer risk.
Prostate, Pancreatic, and Melanoma Cancers
Prostate cancer: BRCA2 gene changes raise lifetime prostate cancer risk by 2 to 6 times the general population average. Lynch syndrome also elevates prostate cancer risk. The HOXB13 G84E variant is associated with early-onset hereditary prostate cancer.
Pancreatic cancer: BRCA1, BRCA2, PALB2, ATM, and Lynch syndrome genes are all associated with elevated pancreatic cancer risk. CDKN2A mutations, the primary hereditary melanoma gene, raise pancreatic cancer lifetime risk to approximately 10 to 17%.
Melanoma: CDKN2A mutations cause hereditary melanoma syndrome, with a lifetime melanoma risk of 28 to 67%. BAP1 syndrome causes uveal (eye) melanoma, mesothelioma, and renal cell carcinoma. CDK4 is associated with a rare high-penetrance hereditary melanoma syndrome.
What the CDC Tier 1 Conditions Include
The CDC designates certain genomic conditions as Tier 1 (CDC, Tier 1 Genomic Applications), those with the strongest scientific evidence for population-level benefit from genetic testing.
The 2 cancer-related Tier 1 conditions are:
Hereditary Breast and Ovarian Cancer (HBOC) syndrome, caused by mutations in BRCA1 and BRCA2
Lynch syndrome, caused by mutations in MLH1, MSH2, MSH6, PMS2, and EPCAM
A Tier 1 designation means that, when mutations are identified, evidence-based clinical interventions are available, including enhanced surveillance, risk-reducing medications, and, in some cases, prophylactic procedures.
See how your genes affect your cancer risk.
Kadance members receive access to hereditary cancer risk testing covering 26 genes, including 2 of 3 CDC Tier 1 conditions, through a CAP-accredited, CLIA-certified laboratory partner. Your genetic information stays private.
Who Should Get Hereditary Cancer Risk Tests?
Hereditary cancer risk tests are appropriate for people who meet specific personal or family history or risk criteria. Here is a summary of when testing is clinically indicated.
Family History Signals Worth Discussing With a Physician
Genetic testing is generally recommended when any of the following family history patterns are present:
A parent, sibling, or child with ovarian cancer at any age
Breast cancer in a first-degree relative diagnosed before age 50
Two or more close relatives with breast, ovarian, pancreatic, or prostate cancer on the same side of the family
A close relative with a confirmed harmful mutation in a hereditary cancer gene, such as BRCA2 or MLH1
Male breast cancer in any family member
Multiple primary cancers in the same person
Three or more cases of colorectal or endometrial cancer in close relatives, which suggests Lynch syndrome
Ashkenazi Jewish ancestry combined with any personal or family cancer history
Personal Cancer History That May Qualify You for Testing
If you have had a cancer diagnosis, you may qualify for hereditary cancer risk testing based on:
Ovarian cancer at any age
Triple-negative breast cancer at any age
Breast cancer diagnosed before age 50
Colorectal cancer diagnosed before age 50, or with specific features suggesting Lynch syndrome
Multiple primary cancers
Prostate cancer with aggressive features plus a family history of cancer
Proactive Testing Without a Cancer History
Not everyone who benefits from hereditary cancer risk testing has a dramatic family history. Many health-conscious, prevention-oriented people pursue testing to better understand their complete biological risk picture, even without a specific trigger.
Proactive hereditary cancer risk testing makes the most clinical sense for people who:
Have any of the personal or family risk factors described above, even if the pattern does not seem obvious
Want to establish a genetic baseline to inform long-term health decisions
Your genetic information is private and protected, accessible only to you and your care team.
How to Understand Your Hereditary Cancer Risk Test Results
A Positive Result: What It Means and What Comes Next
A positive result means a harmful inherited gene change was identified in one of the tested genes. This is an actionable finding. The specific gene involved helps determine which types of cancer are associated with increased risk and what the recommended clinical response should be. A positive result typically leads to:
Referral to a relevant specialist, for example, a gynecologic oncologist for BRCA1 or BRCA2 mutation carriers, a gastroenterologist for Lynch syndrome carriers, or a dermatologist for CDKN2A mutation carriers
Enhanced surveillance protocols tailored to the specific gene and mutation
Risk-reduction counseling, which may include medication options, protective procedures, or lifestyle considerations
Discussion about which family members may want to consider testing
A Negative Result: What It Does and Does Not Rule Out
A negative result means no harmful gene change was found in the tested genes. This substantially reduces the likelihood of a hereditary cancer syndrome, but it does not eliminate all cancer risk. Sporadic cancer, unrelated to inherited gene changes, can develop in anyone.
Some mutations may not yet be fully characterized in the scientific literature, and results from a panel that does not include all relevant genes should be interpreted carefully by a genetic counselor.
For people with a strong family history and a negative result, genetic counselors may still recommend surveillance based on the family pattern, even without a confirmed mutation.
Variants of Uncertain Significance: What They Are and How to Handle Them
A variant of uncertain significance, often called a VUS, is a DNA change identified during testing for which current science does not yet provide sufficient evidence to determine whether it is harmful or harmless. A VUS is not a positive result and should not be treated as one.
Not all laboratories report VUS findings. Some choose to report only results that are clinically actionable, meaning there is a clear next step. If your lab does not report VUS findings, your genetic counselor will focus only on results with a clear clinical meaning. Laboratories that do report VUS findings monitor the scientific literature, and some VUS results are eventually reclassified as harmful or harmless as evidence accumulates.
How to Access Hereditary Cancer Risk Tests
Through a Physician Referral
The most established path to hereditary cancer risk testing is through a physician referral, typically to a genetic counselor or genetics department at a hospital or cancer center. This pathway is often used when a specific family history concern has been raised during an appointment.
The limitation is that this pathway depends on a physician recognizing and raising a hereditary cancer risk concern.. Many routine appointments do not include proactive hereditary cancer risk discussions, and many people with meaningful family history are never offered testing through standard care.
Through a Precision Health Management Membership
Precision health management memberships provide coordinated access to hereditary cancer risk testing, genetic counseling, and clinical interpretation, without requiring that the process begin during a routine medical appointment. This works well for people who are proactively seeking testing or whose family history concerns have not been addressed through standard care.
Kadance members receive access to hereditary cancer risk testing covering 26 clinically actionable genes, including BRCA1, BRCA2, and the Lynch syndrome mismatch repair genes, through a CAP-accredited, CLIA-certified laboratory. Every gene was selected because a positive result leads to a concrete, evidence-based next step. Membership also includes genetic counseling to help interpret positive results and build a plan your physician can act on.
Direct-to-Consumer Testing: What to Know Before You Go That Route
How to Evaluate a Hereditary Cancer Risk Test Before You Choose One
4 criteria to evaluate before you test
Criteria
What to Look For
Why It Matters
Gene Coverage
26+ genes including BRCA1/2, Lynch syndrome, and moderate-risk genes
Some tests only check a few genes and can miss important risk signals. Broader panels give a more complete picture of inherited cancer risk.
Lab Quality
Testing performed in laboratories that meet clinical certification standards such as CAP and CLIA
Ensures results are accurate, reliable, and usable by physicians.
Expert Guidance
Access to genetic counseling before and after testing
Helps translate complex results into clear next steps.
Access and Process
A clear, guided process with simple testing logistics, including at-home collection when appropriate
Removes friction and makes it easier to take action.
Some hereditary cancer risk tests are available online without going through a physician or genetic counselor. While they can be a starting point, there are a few important limitations to be aware of:
Limited scope: Many tests analyze only a small number of genes, which may not capture the full picture of inherited cancer risk
Variable lab standards: Not all tests meet the clinical certifications required for medical decision-making
No guidance: Results are often delivered without expert support, leaving people unsure what the findings actually mean
Not always actionable: In many cases, results need to be repeated or validated through clinical-grade testing before doctors can use them
Make a smarter choice about your health with comprehensive genetic testing.
Through Kadance membership, individuals receive access to hereditary cancer risk testing, genetic counseling, and the clinical coordination to translate results into informed decisions, without replacing their physician.
FAQ: Cancer Genetic Test Questions
Are cancer genetic tests covered by insurance?
Coverage varies significantly by health plan, testing situation, and location. Testing is most likely to be covered when a physician has documented medical necessity based on family history or a personal cancer diagnosis. The Genetic Information Nondiscrimination Act, known as GINA, offers some federal protections against health insurers discriminating based on genetic test results, but it does not guarantee that testing costs will be covered.
Proactive testing without a current cancer diagnosis is less consistently covered. A genetic counselor can help clarify what is likely to be covered before testing begins.
What is the difference between a hereditary cancer risk test and a diagnostic test?
A hereditary cancer risk test assesses risk. It is used for people who do not currently have the condition being assessed to determine whether an inherited gene change is present that elevates lifetime risk.
A genetic diagnostic test is done after a condition is suspected or confirmed, to characterize it. In cancer genetics, hereditary cancer panel testing is a risk-assessing tool. Tumor genomic sequencing performed after a cancer diagnosis is a diagnostic tool.
The distinction matters because hereditary cancer risk testing evaluates inherited risk and may be relevant both before and after a cancer diagnosis, while diagnostic testing is used to identify or characterize an existing condition.
How accurate are hereditary cancer risk tests?
Hereditary cancer risk tests from CAP-accredited, CLIA-certified laboratories detect pathogenic variants; they are designed to assess with analytical accuracy exceeding 99%. This means the test is very unlikely to miss a mutation that is present, or to report one that is not.
The more nuanced question of accuracy is whether a detected variant is correctly classified as harmful, harmless, or uncertain, which is why genetic counselor expertise in interpreting results is essential.
Can hereditary cancer risk tests detect cancer directly?
Hereditary cancer risk tests do not detect cancer. They identify inherited gene mutations that increase the risk of future cancer. They are preventive risk-assessment tools, not cancer detection tests.
Liquid biopsy and multi-cancer early detection tests are a different category that can detect signals suggesting cancer may currently be present, but they are distinct from hereditary risk testing and serve a different clinical purpose.
The Most Useful Cancer Tool Is the One You Use Before You Need It
Hereditary cancer risk tests can give you information that standard healthcare rarely provides proactively: a biological picture of inherited cancer risk, based on the DNA that has been present in every cell of your body since birth. This is not speculative. It is genetic data interpreted against decades of clinical research on which gene changes cause which cancers and by how much.
For people who want to make better-informed decisions about how often to screen, which risk-reduction strategies apply to them, and which specialists to involve in their care, hereditary cancer risk testing provides the biological foundation that lifestyle habits and annual checkups alone cannot offer.
The 5 to 10% of people whose cancer risk is driven by an inherited gene change are, in most cases, not aware of it. Hereditary cancer risk tests change that.
Optimize your health. Start with what your DNA already knows.
Explore Kadance membership and access hereditary cancer risk testing, genetic counseling, and a precision health framework designed for individuals who don't wait for a diagnosis to take their health seriously.
The information in this article is intended for educational purposes only and does not constitute medical advice. It may not fully reflect the current scope of Kadance services, testing panels, or program offerings. For the most accurate and up-to-date information about what Kadance includes, please visit kadance.com or speak with a member of our team.