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by jellicle 4932 days ago
Note that it doesn't prevent discrimination for life insurance, disability insurance or long-term care insurance; if you get a dangerous condition in your DNA testing you'll never get any of those types of insurance again.

Also note the limitations are not very comprehensive. Health insurers could use genetic info and then find ways to deny you coverage on a technicality (didn't disclose tonsilitis at age 4 - DENIED). There's no civil remedy in the law so it would be up to you to petition the Federal government to carry out some sort of enforcement action against insurers, which seems less than likely.
2 comments
apaprocki 4932 days ago
The coverage for life/disability/long-term on a state-by-state basis is here:

http://www.ncsl.org/issues-research/health/genetic-nondiscri...

While it isn't covered by law in all states (yet), my state restricts discrimination for life/disability and requires informed consent to use genetic information.

link
MichaelSalib 4932 days ago
Health insurers could use genetic info and then find ways to deny you coverage on a technicality

How could that work once the Affordable Care Act goes into effect? It requires Guaranteed Issue, so insurers can't do that. Insurers have to accept anyone who requests their plan and they can only vary premiums based on age, location, and smoking.

link