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DNA Testing for Insurance Purposes

DNA testing allows physicians to accurately determine a patient's risk of developing particular diseases, and permits patients to make informed decisions about their present and future health care. A 2008 article in The New York Times noted that many people shun DNA testing for fear it will affect their ability to obtain health insurance or affordable insurance coverage.

  1. DNA Testing Costs

    • According to the Human Genome Project, as of 2010 there are more than 1,000 genetic tests, ranging in cost from $200 to $3,000, used to determine genetic predisposition to specific medical conditions. Since insurance policies vary, DNA testing may or may not be covered by insurance.

    Genetic Discrimination

    • President George W. Bush signed into law the Genetic Information Nondiscrimination Act of 2008 in May of that year. The law forbids insurance companies and employers from discriminating against individuals based on DNA test results. It prevents insurance companies from denying coverage, charging higher insurance premiums and requesting or demanding genetic tests.

    DNA Testing Benefits

    • Information from genetic testing allows physicians to address medical conditions early when they are most treatable and possibly preventable. The information may also help researchers develop lifesaving, gene-altering treatments or cures for numerous inherited disorders. Genetic test results help patients make possible life-altering decisions regarding family planning, career choices and insurance coverage, according to the National Institutes of Health.

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