In a recent episode of the Geek News Central Podcast, Todd discusses a company called 23andMe, listed by wired.com as one of Ten Start-ups worth Watching in 2008. This company can test your DNA to determine (at least to some extent) your predisposition to various diseases.
All well and good, but when I first heard the story my first thought was regarding the insurance implications. There have been a number of high profile cases where insurance companies in the USA have refused medical coverage to policy holders based on the accusation that the policy holders did not disclose existing medical conditions when applying for the coverage. If you were to get this testing, and the result indicated a predisposition for cancer or heart disease, do you tell an insurance company if you are applying for health insurance? If the insurance company interprets a genetic disposition to a disease, you could be denied coverage, or charged even higher rates. If you don’t tell the insurance company, you risk a claim denial in the future if the insurance company finds out. Is there anyway you can win?
All in all, if you are in the USA, I’d say it’s safer not to get the testing.
For all its imperfections, I’ll still take the Canadian system of universal coverage.
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