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Some Insurers Protected by GINA

Long-term, life, and disability insurers may still be able to deny coverage to patients with a genetic disease, under current nondiscrimination legislation.

By | January 23, 2013

Artist's rendering of a thinner entorhinal cortex (red), appearing early in people with the ApoE4 gene variantWIKIMEDIA, PHILIP SHAW, NIMHThe Genetic Information Nondiscrimination Act (GINA) of 2008 ensures that employers and health insurers cannot legally discriminate against people with genetic diseases. However, a loophole in the law does allow certain types of insurance, such as long-term insurance, life insurance, and disability insurance, to check patients’ genetic makeup before granting coverage, and can even require patients be tested for genetic diseases.

"GINA was a fabulous accomplishment," Robert Green, a researcher in the genetics department at Harvard Medical School, told NPR. "But I think that it was not perfect," added Green, who investigated how people who are tested for the ApoE4 gene variant, which is associated with a higher risk of Alzheimer’s, react after they discover they carry the variant, and found that many buy long-term-care insurance to help cover nursing home and assisted living facility costs.

Representative Louise Slaughter (D-NY), who originally shepherded GINA through the House, said she is aware of the loopholes and has been working to close them. Insurance companies, on the other hand, say that requiring coverage could cause them to go bankrupt, since their business relies on the income from a majority of healthy participants paying for the smaller number of individuals who require expensive care.

(Hat tip to GenomeWeb)

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Comments

Avatar of: kienhoa68

kienhoa68

Posts: 33

January 28, 2013

Why it has become important to know the parents DNA. All these genetic

defects need not be passed on. To knowingly pass these to a new human

being is, in effect, child abuse.

Avatar of: kitapbigi

kitapbigi

Posts: 20

February 11, 2013

 

I am surprised that Ian Wilmut did not win. Dolly the sheep is really the start of all these on mammallian organisms and the ethical concerns, which is what drove the research to create iPS. Anyway, it is Nobel prize, a monopoly.

kredi hesaplama-evim şahane - fragman izle - mobilya modelleri

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