I've been over 35 for both my pregnancies, so I had insurance coverage for genetic testing. My SO and I are also both technical people, and we like data. We don't like surprises.
I had CVS the first time around and cell-free fetal DNA the second time. We wanted certainty (or, as much certainty as possible).
CVS and Amnio are the only two that are considered diagnostic, so they are the only two tests that should be used if you are considering termination. You should have time to do cffDNA before CVS if you want to do a screening first and then follow up with a diagnostic (that was our plan the second time). CVS and amnio look for more abnormalities than the screening tests are designed for. CVS and amnio have different windows and those windows do not overlap (CVS is earlier than amnio). Specific windows differ by provider, but they are usually specified out to the DAY (like, 11 w 2 days).
CVS was painful, expensive (even with the insurance coverage we had), and carries a risk of miscarriage. My doctor didn't get enough material on the first draw, so she tried two or three times. They can do a FISH test for fast results (2-3 days), but we didn't have enough material to get FISH results, so we had to wait the full 2 weeks for the cells to multiply in a petri dish for the full-spectrum results. I didn't really want to go that way again, and in the intervening years the cffDNA tests got more accurate and faster.
There are at least four providers of cffDNA tests, and not all of them are created equal. But all of them share a common feature: They are less accurate the younger you are - the predictive value literally depends on your age, and uses your age in the calculation. Which is why insurance does not often cover them for women under 35. Since they are screening tests, the way it works is that if you get a "negative" result, you are pretty much in the clear. There is more accuracy in the calculation of an "unlikely/negative" result than in a "likely/positive" result. If you get a "likely" result and you need more certainty before you make any decisions, you should ABSOLUTELY follow up with a diagnostic test, depending on how far along you are in your pregnancy. What's surprising is that many doctors do not know this. Any test you have *should* include a consult with a genetic counselor, but some providers do not offer this, which is a HUGE shame. Making good decisions requires education and understanding.
Here's a really excellent website about cffDNA tests. It's what convinced me to get cffDNA and be confident in the results.
http://www.downsyndromeprenataltesting.com/what-exactly-is-maternit21-harmony-verifi-panorama-testing/Really technical discussions of the accuracy of results:
http://www.downsyndromeprenataltesting.com/noninvasive-prenatal-testing-for-down-syndrome-99-malpractice/http://www.downsyndromeprenataltesting.com/what-does-your-cell-free-dna-screen-result-for-down-syndrome-mean/The author is biased against the idea that it is OK to have genetic screening tests just to find out whether someone should terminate for Down's Syndrome, but his science is solid.
That said, there can still be something wrong with the kiddo. At our 20 week ultrasound for this current pregnancy, our perinatologist thought there might be a hole in our baby's heart. A subsequent fetal echo ruled that out, but it's just not possible to test for everything.
Private cord banking: I'd say skip it. Public bank donation: good if your clamping decision does not prohibit it.
And: iowajes, your story is heartbreaking. Thank you for sharing and for pointing out that this information can be incredibly valuable beyond making a termination decision.