Not only will it not increase genetic testing it will add huge costs to everybody’s insurance.
This is an anti-evolutionary anti capitalist socialist compromise of our entire medical insurance system.
If they want to spur genetic testing ALLOW DISCRIMINATION, since when is a company going to spend money on expensive tests so they can lose even more money later?
Now if they could spend the money to test & exclude future health disasters based on genetic profiles and spend money in order to charge a higher premium they will.
What about all the genetically inferior people?
Let them join a pool of similar genetic individuals & build their own health plan to suit their needs-like treatment at affordable rates.
From my perspective it is a godsend. I have just discovered I have a rare genetic disorder and my children and grandchildren could also be affected and genetic counseling is necessary before they have their own children. I have told my son he can not get tested since it could affect him in the future. At this point it is all hypothetical if there would ever be an increase in outlay from any insurance company. Until you walk in the shoes of someone who has this type of problem you do not even begin to understand the repurcussions.
I have to disagree with you on this one joan. If there is a way to determine who is going to cost the companies more, why shouldn’t it be used to determine premiums? Why should i carry the cost for someone else’s medical conditions if i can be tested and be shown to have a smaller chance of have it? It used all the time to determine premiums in other insurance industries, why not health care? If someone has a poor driving record, they pay more in premiums-thats common sense. Why not if you have “poor” genes you pay more in helath care. Sounds fair to me.
I support barring discrimination, for now, insofar as it affects employment. Hiring, firing, raises and promotions should be based on skills and what you bring to the company. Once genetic testing is better entrenched in society I think even that “protection” should go away.
I’m with Smitty in that genetic testing should be used to help determine risk and rates. We use just about every other factor in determining rates, why not genetics?
what to say that this would not cure some of these so-called diseases? what if we do find cures later on, despite the genetic code? how many of you know that they have already found a cure for diabetes? yet, they don’t want anyone to know. why? $$$ that will be lost in the medical profession and insurance. think about the cost of the drug industry. they make money just to say i have something that will help. like ADD, many folks just don’t want to take the time to help or instruct. they claimed my son had it. they wanted him to take pills. i fooled them and him and gave him flinstone vitamin pills. he still acted the same but the teachers were more attentive to his needs. in school, we see many teachers that don’t want to take the time to help the student. it could be that one student just has a different grasp on understanding the subject. again, doctors and educators think its the problem of the child and not possibly another way to teach. so they developed a drug to quiet the individual. in today’s society we like to blame other folks instead of taking the time to understand them. look at those that are supposedly mentally challenged – society looks at them as not beneficial. yet, i have met many who can make a life and contribute to society. yes, they might need a help or budge but does not anyone require a little bit of attention or positive enforcement. it’s like a baseball game, we all root for our team and encourage the hitter to hit and runner to run. same thing! so what if i have a different set of genes, does that make me any less of a person? does that make me any less talented? or might i have a talent in one area better than yours? society would rather downplay folks instead of uplifting them.
If health insurers could discriminate, all the people who truly need the insurance would be rejected and sent to an “E&S” type market for “inferior genetics.” (IE they would go UNINSURED because their plan would be EXPENSIVE). People have control over their driving record – violations are based on conscious decisions. You have the genetics you are born with, and should they allow mass genetic testing to apply for health benefits (or to get a job and onto the medical benefits roll), it would have catastrophic consequences for our society.
So many of you are supporting discrimination. Apparently the almighty dollar has become more important than peoples rights. Judging people on their genes is the same as judging them on the color of their skin.
“Inferior” genes? Who decides whose genes are inferior? Hitler is dead.
Bad driving records? People can improve their driving habits. So far, I have heard little about successfully changing, rearranging, removing our individual DNA.
We all know that the premium we pay for any insurance is not reserved only to pay any claims we might have.
Not only will it not increase genetic testing it will add huge costs to everybody’s insurance.
This is an anti-evolutionary anti capitalist socialist compromise of our entire medical insurance system.
If they want to spur genetic testing ALLOW DISCRIMINATION, since when is a company going to spend money on expensive tests so they can lose even more money later?
Now if they could spend the money to test & exclude future health disasters based on genetic profiles and spend money in order to charge a higher premium they will.
What about all the genetically inferior people?
Let them join a pool of similar genetic individuals & build their own health plan to suit their needs-like treatment at affordable rates.
From my perspective it is a godsend. I have just discovered I have a rare genetic disorder and my children and grandchildren could also be affected and genetic counseling is necessary before they have their own children. I have told my son he can not get tested since it could affect him in the future. At this point it is all hypothetical if there would ever be an increase in outlay from any insurance company. Until you walk in the shoes of someone who has this type of problem you do not even begin to understand the repurcussions.
I have to disagree with you on this one joan. If there is a way to determine who is going to cost the companies more, why shouldn’t it be used to determine premiums? Why should i carry the cost for someone else’s medical conditions if i can be tested and be shown to have a smaller chance of have it? It used all the time to determine premiums in other insurance industries, why not health care? If someone has a poor driving record, they pay more in premiums-thats common sense. Why not if you have “poor” genes you pay more in helath care. Sounds fair to me.
I support barring discrimination, for now, insofar as it affects employment. Hiring, firing, raises and promotions should be based on skills and what you bring to the company. Once genetic testing is better entrenched in society I think even that “protection” should go away.
I’m with Smitty in that genetic testing should be used to help determine risk and rates. We use just about every other factor in determining rates, why not genetics?
what to say that this would not cure some of these so-called diseases? what if we do find cures later on, despite the genetic code? how many of you know that they have already found a cure for diabetes? yet, they don’t want anyone to know. why? $$$ that will be lost in the medical profession and insurance. think about the cost of the drug industry. they make money just to say i have something that will help. like ADD, many folks just don’t want to take the time to help or instruct. they claimed my son had it. they wanted him to take pills. i fooled them and him and gave him flinstone vitamin pills. he still acted the same but the teachers were more attentive to his needs. in school, we see many teachers that don’t want to take the time to help the student. it could be that one student just has a different grasp on understanding the subject. again, doctors and educators think its the problem of the child and not possibly another way to teach. so they developed a drug to quiet the individual. in today’s society we like to blame other folks instead of taking the time to understand them. look at those that are supposedly mentally challenged – society looks at them as not beneficial. yet, i have met many who can make a life and contribute to society. yes, they might need a help or budge but does not anyone require a little bit of attention or positive enforcement. it’s like a baseball game, we all root for our team and encourage the hitter to hit and runner to run. same thing! so what if i have a different set of genes, does that make me any less of a person? does that make me any less talented? or might i have a talent in one area better than yours? society would rather downplay folks instead of uplifting them.
If health insurers could discriminate, all the people who truly need the insurance would be rejected and sent to an “E&S” type market for “inferior genetics.” (IE they would go UNINSURED because their plan would be EXPENSIVE). People have control over their driving record – violations are based on conscious decisions. You have the genetics you are born with, and should they allow mass genetic testing to apply for health benefits (or to get a job and onto the medical benefits roll), it would have catastrophic consequences for our society.
So many of you are supporting discrimination. Apparently the almighty dollar has become more important than peoples rights. Judging people on their genes is the same as judging them on the color of their skin.
“Inferior” genes? Who decides whose genes are inferior? Hitler is dead.
Bad driving records? People can improve their driving habits. So far, I have heard little about successfully changing, rearranging, removing our individual DNA.
We all know that the premium we pay for any insurance is not reserved only to pay any claims we might have.