Image courtesy of NASA's Marshall Space Flight Center
MICHELLE ANDREWS khn
Genetic Testing Could Interfere With Your Ability To Get Life Insurance: Shots – Health News: NPR
Taking a genetic test in your 20s or 30s could, indeed, affect your ability to get long-term-care insurance later — or at least the price you'll pay. And people who are considering enrolling in Medicare after age 65 would do well to read the fine print of the sign-up rules. Readers have insurance questions on these topics this month, and we have answers:
Q: Can getting a genetic test to interfere with being able to buy long-term-care insurance in the future? If you do get a plan, can the insurer drop you after you find out the results of a genetic test?
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 from asking for or using your genetic information to make decisions about whether to sell you health insurance or how much to charge you. But those privacy protections don't apply to long-term-care policies, life insurance or disability insurance.
Photo By NASA's Marshall Space Flight Center
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