A nurse is working with a young adult patient who underwent genetic testing that revealed her high risk for developing Huntington disease later in life
The patient is deeply concerned about how this may affect her future prospects for obtaining and maintaining adequate health insurance. In response, the nurse has referred to the Health Insurance Portability and Accountability Act (HIPAA). According to this legislation, insurers may use genetics testing as a justification for what action?
A) Denying the patient health insurance
B) Charging the patient higher insurance premiums
C) Requiring the patient to enroll in Medicaid
D) Requiring the patient to carry out a health promotion plan
Ans: B
Feedback:
HIPAA prohibits the use of genetics information to establish insurance eligibility. However, HIPAA does not prohibit group plans from increasing premiums, excluding coverage for a specific condition, or imposing a lifetime cap on benefits. Insurers cannot mandate enrollment in Medicaid or adherence to a health promotion plan.
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