Thinking about cancer or dealing with cancer risk can be scary or overwhelming, but we believe that receiving information and resources is comforting, empowering, and lifesaving.
Group and individual health insurers, including Medicare supplemental policies, may not use genetic information to set eligibility, premium or contribution amounts. Under GINA, genetic information cannot be considered a preexisting condition. Health insurers may not request or require that you take a genetic test.
With regard to health insurance discrimination, the Act:
GINA does not apply to life, disability, or longterm care insurance.
Anyone who feels that they have been subjected to discrimination by a health insurance company based on genetic information can contact their state insurance commissioner’s office. Some states also regulate life, long-term care, and disability insurer use of genetic information and allow complaints to be filed with the insurance commissioner against these insurers as well.