Future of Insurance genetic screening for health and life insurance cover gene tests
Video taken from the channel: Futurist Virtual Keynote Speaker Patrick Dixon
Genetics and Life Insurance A View Into the Microscope of Regulation
Video taken from the channel: TheGenevaAssociation
DNA Testing May Affect Insurance
Video taken from the channel: CW33
Life insurance companies can see your DNA test results?
Video taken from the channel: Synthwright
How Genetic Testing Can Affect Your Life Insurance Rates
Video taken from the channel: CBS Philly
DNA Testing Could Kill Insurance Industry
Video taken from the channel: The Young Turks
DNA privacy dilemma: Benefits and risks of at-home genetic tests
Video taken from the channel: CBS This Morning
No, they can’t do that — not now, anyway. Under the Genetic Information Nondiscrimination Act (GINA) of 2008, health insurers can’t use your genetic information, including your family medical history, genetic test results and genetic counseling or other genetic services, to discriminate against you. No, they can’t do that — not now, anyway. Under the Genetic Information Nondiscrimination Act(GINA) of 2008, health insurers can’t use your genetic information, including your family medical. In general, long-term-care insurers can indeed use genetic test results when they decide whether to offer you coverage.
The federal Genetic Information Nondiscrimination Act does prohibit insurers. No, they can’t do that — not now, anyway. Under the Genetic Information Nondiscrimination Act (GINA) of 2008, health insurers can’t use your genetic information, including your family medical history, genetic test results and genetic counseling or other genetic services, to discriminate against you. It’s a federal law that prevents medical insurers from raising your rates or dropping your coverage based on genetic test results.
It also prevents people from employment discrimination based on genetic testing. The law, however, does not prevent people from discrimination related to life insurance or long-term care or disability insurance. Passed in 2008, a federal law called the Genetic Information Nondiscrimination Act (GINA) made it illegal for health insurance providers in the United States to use genetic information in decisions about a person’s health insurance eligibility or coverage. This means that health insurance companies cannot use the results of a direct-to-consumer genetic test (or any other genetic test) to deny coverage or require you to pay higher premiums. Unfortunately that’s not true.
Insurance products outside of health insurance, such as life insurance, can use the results of genetic testing to impact applicants’ rates. (You can find out how much life insurance costs here.) That’s becoming a bigger issue as genetic testing moves out of the medical labs and into homes; 23andMe has been given approval by the FDA to provide. At present, insurers are only allowed to use test results for Huntington’s disease when selling life insurance. In Germany, insurers may only request genetic test results for life insurance policies that pay out more than €300,000 or for disability policies that pay more than €30,000 annually. Life insurers are no longer allowed to require applicants for insurance to disclose the results of any genetic tests they may have had after the Financial Services Council, which represents all life insurers operating in Australia, brokered a ban on the practice this week. The insurance industry counters that it doesn’t support mandatory genetic testing, or disclosing test results without a patient’s approval.
If, however, relevant genetic test results are available, they should be shared with the insurer “to preserve the integrity and proper functioning of the insurance mechanism.”.
List of related literature:
|from Bioethics and Biosafety|
|from Lewis’s Medical-Surgical Nursing EBook: Assessment and Management of Clinical Problems|
|from Health Communication: Theory, Method, and Application|
|from Fanaroff and Martin’s Neonatal-Perinatal Medicine: Diseases of the Fetus and Infant|
|from Modern Actuarial Theory and Practice, Second Edition|
|from Foundations of Maternal-Newborn and Women’s Health Nursing E-Book|
|from Handbook of Insurance|
|from Responsible Conduct of Research|
|from Genetic Genealogy: The Basics and Beyond|
|from Burns’ Pediatric Primary Care E-Book|