Currently there are several genetic tests that are available. Test range from looking at one syndrome to looking at several syndromes within the same test. Guidelines exist to guide patients to the appropriate genetic test. These guidelines also influence what insurance companies may or may not cover for genetic testing.
In the genetic counseling session, the counselor can help you understand coverage of genetic testing. We work with various labs and when individuals who meet criteria have genetic testing, most individuals pay less than $100 out of pocket.
Genetic Information Non-Discrimination Act (GINA)
The Genetic Information Nondiscrimination Act (GINA), in place since 2008, prohibits discrimination by health insurance companies and employers based on genetic information. GINA prohibits group health plans and health insurers from denying coverage to a healthy individual or charging that person higher premiums based solely on a genetic predisposition to developing a disease in the future. The legislation also bars employers from using individuals' genetic information when making hiring, firing, job placement, or promotion decisions. However, limitations of this law include lack of protections with life insurance, disability insurance, and long-term care insurance.
Additional information regarding GINA