By Kenneth Bernstein You are a college professor. I have just retired as a high school teacher. I have some bad news for you.
Some people may have concerns about genetic testing for clotting disorders thrombophilias for fear of genetic discrimination. Fortunately in the United States, we have laws in place that can alleviate this concern.
It is illegal for insurance companies to request, require, or use genetic information to make decisions about a eligibility for health insurance, and b health insurance premiums, contribution amounts, or terms of coverage. It is NOT illegal to charge higher premiums for life, long-term care, or disability insurance based on results of genetic testing.
The genetic information protected under GINA includes family health history, the results of genetic tests, the use of genetic counseling and other genetic services, as well as participation in genetic research.
Eligibility for health insurance Health insurance premiums, contribution amounts, or terms of coverage Under GINA, it is against the law for most health insurers to use a genetic test result or family health history as reasons to deny you health insurance, or decide how much you need to pay for health insurance.
In addition, GINA makes it against the law for most health insurers to: Consider family history or a genetic test result a pre-existing condition Ask or require that you have a genetic test Use any genetic information they do have to discriminate against you, even if they did not mean to collect it Excluded Health Insurers: GINA applies to all employer sponsored health insurance plans a group plan as well as health insurance you purchase on your own an individual plan for you and your family.
GINA also applies to Medicare supplemental policies for individuals who have insurance through Medicare. The health insurance protections of GINA do not apply to: To make decisions about hiring, firing, promotion, pay, privileges or terms To limit, segregate, classify, or otherwise mistreat an employee This means it is against the law for your employer to use family health history and genetic test results in making decisions about your employment.
It is also against the law for an employer to request, require, or purchase the genetic information of a potential or current employee, or his or her family members.
There are a few exceptions to when an employer can legally have your genetic information.
If an employer does have the genetic information of an employee, the employer must keep it confidential and in a separate medical file. I am considering having genetic testing for factor V Leiden. Can my health insurer deny me health insurance or raise my premiums if I have a positive result?
Under GINA, health insurers cannot use genetic information, including results of genetic tests, to make eligibility and coverage decisions. Genetic test results cannot be considered a pre-existing condition.
Your health insurer cannot request, require, or use your genetic test results to make decisions about your eligibility for coverage or the amount you pay for health insurance. I was tested because my father had a DVT and was found to have this gene change.
I never had problems with insurance previously. However, I had a pulmonary embolism PE last year, and now they want to raise my insurance premiums for my individual health insurance plan.
A person may have the genetic testing to learn about hereditary risk before developing symptoms of the condition. If they do, their insurer cannot use the information to make decisions about their eligibility, coverage, or premiums for health insurance.
The genetic test result is protected by GINA. This is true even if the condition may have been caused by or is related to a genetic predisposition. In the case above, the PE may have been related to the genetic predisposition; but the increase in premiums is related to the PE, not the gene mutation.
I am trying to get life insurance and the premiums that are being quoted seem high for someone like me who is young and healthy. I wonder if this is because I reported that I have factor V Leiden? Does GINA apply to life insurance?
Therefore, it is legal to charge you higher premiums for any of these types of insurance if you report a genetic predisposition to disease.
However, if this type of insurance discrimination is of concern to you, you may want to consider taking out policies prior to genetic testing.
You may also live in a state that has specific laws that apply to these types of coverage. This website is meant to provide consumers and provides more information about the protections under this law.
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These patient letter-writing guidelines are intended composed on behalf of the entire genetics term, including the geneticist, genetic Guidelines for Writing Letters to Patients Table I.
Sample Template for Patient Letters Genetics Clinic Letterhead Date. The Bixby letter is a brief, consoling message sent by President Abraham Lincoln in November to Lydia Parker Bixby, a widow living in Boston, Massachusetts, who was thought to have lost five sons in the Union Army during the American Civil timberdesignmag.com with the Gettysburg Address and his second inaugural address, the letter has been praised as one of Lincoln's finest written works and is.
A link to reset your Patient Portal password has been sent timberdesignmag.com allow minutes for the email to arrive. If you do not receive an email, please call () Sample Appeal Letter [Date] ATTN: Medical Review/Appeals [Name of Payer] [Address of Payer] Patient: [First and last name] Member ID: Member Group #: Rx Bin#: Explanation of Benefit #.