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Will Genetic Testing Affect My Insurance? (and other common questions)

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If your quiz results determine that you may be at risk for hereditary cancer, one of our patient care coordinators will be in touch to learn more about your family’s cancer history as well as your own. They can also connect you with a hereditary cancer specialist so that you can schedule a genetic testing consultation.

Genetic testing can seem overwhelming. There are a few variables that go into getting a personalized test as well as a plethora of information that can come along with the testing process and your results. We are here to put you at ease, answering the most common questions received by the hereditary cancer specialists with whom we partner.

1. Will genetic testing affect my health insurance?
A common concern about genetic testing is, that if a person does indeed carry a gene mutation that puts them at a higher risk for cancer, their health insurance rates will increase. A federal law called the Genetic Information Nondiscrimination Act (GINA) is designed to protect people against genetic discrimination, making it illegal for health insurance providers to use or require genetic information to make decisions about a person’s insurance eligibility or coverage.

2. What are the benefits of genetic testing?
A true negative result can mean a sense of relief regarding a person’s future risk of developing cancer, while a positive test result can help people make informed decisions about their future – including proactive steps they can take for their health.

3. Who should consider genetic testing?
Genetic testing should be considered if you or close family members (parents, siblings, grandparents, aunts/uncles, cousins) experience any of the following:

  • Multiple family members with cancer on the same side of the family
  • Cancer that occurs at an earlier age than it does among the general population (less than age 50), such as breast or colon cancer in a 30-year-old
  • Multiple typs of cancer occurring in one person, such as a woman experiencing both breast and ovarian cancers
  • Cancer that occurs in a pair of organs, like both kidneys or breasts
  • Family member(s) with unusual cancers, such as male breast cancer

4. How is genetic testing done?
Your hereditary cancer specialist will help arrange the sampling of your DNA (usually in the form of saliva or a blood sample). This sample will be sent to a lab for testing. A few weeks later, your specialist will meet with you to review your results. To learn more about the process, click here.

5. What happens during a consultation?
At your appointment, your hereditary cancer specialist will assess your hereditary cancer risk, answer questions, arrange a genetic test (if it makes sense for you), and let you know what to expect during the testing process.

5. What is genetic counseling?
Your hereditary cancer specialist will offer genetic counseling along with your consultation and test. They will offer in-depth knowledge and emotional support related to gene mutations and your test results – including steps to take if your results do indicate a gene mutation.

To learn more about the hereditary cancer specialists with whom we partner and the genetic testing process, feel free to get in touch with us at (855) 252-8124.

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