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Featured Would You Submit to Genetic Testing for Health Insurance Discount?

Discussion in 'News & Current Events' started by InTheLight, Mar 10, 2017.

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  1. InTheLight

    InTheLight Well-Known Member
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    Things that make you go hmmm...

    [​IMG]

    Sent from my Moto Droid Turbo.
     
    #1 InTheLight, Mar 10, 2017
  2. Happy

    Happy Well-Known Member
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    Would You Submit to Genetic Testing for Health Insurance Discount?

    No. But then I would never submit to a government "health insurance" either.

    I suspect before long the government will be soliciting records from (Ancestry genealogical Corporation), who has millions of DNA records.
     
    #2 Happy, Mar 10, 2017
    • Agree Agree x 1
  3. Rolfe

    Rolfe Well-Known Member
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    I wonder how many discrimination lawsuits will be the result.
     
    #3 Rolfe, Mar 10, 2017
  4. InTheLight

    InTheLight Well-Known Member
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    It's for private sector, company provided health insurance.

    Sent from my Moto Droid Turbo.
     
    #4 InTheLight, Mar 10, 2017
  5. Happy

    Happy Well-Known Member
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    I C Even company health insurance for the "private" sector requires signing up, which I would not do via the company.
     
    #5 Happy, Mar 10, 2017
  6. carpro

    carpro Well-Known Member
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    What is the health related purpose of the test?
     
    #6 carpro, Mar 13, 2017
  7. Happy

    Happy Well-Known Member
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    Off~hand I would guess ~ because people are liars, thieves and untrustworthy, thus having more specific information about a person receiving benefits, to insure that it is the correct person receiving the benefit.

    Also, government agencies share information for investigative purposes.

    IOW, not for "health" but rather "administrative" purposes.
     
    #7 Happy, Mar 13, 2017
  8. Rob_BW

    Rob_BW Well-Known Member
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    Interesting. I pay more attention to these articles now that my records show my "bad genes." :eek:
     
    #8 Rob_BW, Mar 13, 2017
  9. InTheLight

    InTheLight Well-Known Member
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    It's part of a wellness program screening procedure. If an employee can show that they are healthier than other workers they can qualify for a lower health insurance premium rate within the company's pool of insured. If a company can show employees health improvement, i.e. employees losing weight, blood pressure numbers improving, cholesterol numbers improving, they can get a lower premium rate.

    Genetic testing will show markers for hereditary diseases and other health problems in the future. This will cause the insurance company to raise costs to that employee. (And it marks the employee as a higher risk for the rest of his life to all insurance companies.)

    It's not done to see if someone is lying about their identity or heritage, but I suppose it could be used for that. Maybe decide racial purity?
     
    #9 InTheLight, Mar 13, 2017
  10. righteousdude2

    righteousdude2 Well-Known Member
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    If the genetic test was manditory, I would do it. So that is my answer. BTW - what would your preference be?
     
    #10 righteousdude2, Mar 13, 2017
  11. InTheLight

    InTheLight Well-Known Member
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    Ummm...the whole point of the article was to show that it's not mandatory, not yet, and it can be fought. I can't think of a good reason why my employer would need to have my genetic information but if it was mandatory I would submit. If it was "voluntary" and the penalty for non-compliance was possibly higher insurance rates, I would refuse and look for another job.

    As a business owner it's easy for me to say, since I would never have such a policy.
     
    #11 InTheLight, Mar 13, 2017
    • Informative Informative x 1
  12. righteousdude2

    righteousdude2 Well-Known Member
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    My employer is toying with the thought for those on their HMO plans. They claim it will be put on a chip, embedded into our insurance card, that in turn dowloads everything on us at all Kaiser facilities, improving treatment.
     
    #12 righteousdude2, Mar 13, 2017
  13. carpro

    carpro Well-Known Member
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    Have to think about that one for awhile. Don't like the idea much right off, especially for older people.
     
    #13 carpro, Mar 13, 2017
  14. Happy

    Happy Well-Known Member
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    I don't like that "anyone" can require DNA testing for employment.
     
    #14 Happy, Mar 13, 2017
  15. Rob_BW

    Rob_BW Well-Known Member
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    DoD has had our DNA on record for years, at least a decade I think. Ostensibly for aiding in the recovery of remains.

    Personally, dad, my 2 half brother, and my nephew all popped up with colon cancer. Genetic testing showed a deletirious(?) gene in all of us. So instead of waiting til age 50, I had my first colonoscopy at 35 and get one every three years.

    So spotting the gene has increased my preventive costs, but hopefully prevents incurring the cost of fighting full blown colon cancer later on.

    Hesitantly curious on how this will affect my kids, if I passed it on to them.
     
    #15 Rob_BW, Mar 13, 2017
  16. just-want-peace

    just-want-peace Well-Known Member
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    As a general rule, every decision is a two-edged sword; some combination of good AND bad, and the end result depends on the sword's handler!!
     
    #16 just-want-peace, Mar 13, 2017
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  17. Salty

    Salty 20,000 Posts Club
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    An employer should be able to hire anyone they please for any reason they see fit.
    Why would an employer want to train a new employee, costing thousands of dollars - just to later find
    out that he has a disease that would soon end that workers carrere. ?
     
    #17 Salty, Mar 13, 2017
  18. InTheLight

    InTheLight Well-Known Member
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    Salty, I know you know better than this.

    Sent from my Moto Droid Turbo.
     
    #18 InTheLight, Mar 13, 2017
  19. Salty

    Salty 20,000 Posts Club
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    I am very firm on that.

    and here is one reason- A few years ago, I was job hunting. several jobs turned me down. There is not doubt in my military mind - that the main reason was my age.
    However, they would never say that - as it is against the law.
    I would rather they be upfront about it - so I would not waste my time going there.
     
    #19 Salty, Mar 13, 2017
  20. JonC

    JonC Moderator
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    Makes me think of Gattaca.

    I wonder, if you so submit to DNA testing would your results be considered a type of precondition on your children (i.e., the "family history" questions are already answered based on genetic disposition)?
     
    #20 JonC, Mar 14, 2017
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