Genetic testing and YOU

Genetic testing is risky because, in the United States, we can be denied life insurance and disability insurance based on the results of a genetic test.

The fact that genetic testing can be used to deny coverage or raise premiums adds an additional layer of complexity to each individual’s decision tree.

My hot take? Avoid genetic testing unless you absolutely need it. No genetic testing “just for fun.” That should solve the problem for the vast majority of people. (Note that I’m writing this from 2018, a time when genetic testing appears to be more often “just for fun” than medically prudent or necessary.)

If you do need genetic testing, get your insurance first. You can always lower your rates later if your test results are favorable.

Unfortunately after carefully reviewing your application, we regret that we are unable to provide you with coverage because of your positive BRCA 1 gene.