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¶ … Genetic Testing and Insurance. Specifically, it will contain an analysis and key points of the article. This article discusses whether it is morally and ethically right to use genetic testing to deny health and/or life insurance to certain individuals who might have a genetic predetermination for a specific disease.
One key point is whether insurance companies should be allowed to use genetic testing to determine eligibility for insurance and/or to set premiums. Many states have already banned this process, because they feel it is unfair to use these types of tests to deny insurance when insurance is supposed to protect the individual if they suffer from health issues, whether they are genetic or not. In addition, this type of testing is very costly to the insurance companies, and there are only tests for a few, specific diseases, so they cannot pinpoint all the health risks anyone faces. Most insurance companies also recognize that many factors contribute to disease and illness, not just genetics,...
Health insurance is important for every individual, and to deny coverage for specific genetic traits is essentially singling out individuals based on what might occur in the future, leaving an entire segment of the population uninsurable, and adding dramatically to healthcare costs when and if they do become ill. This is a kind of discrimination that should not occur in this country at any time.
Another key point is the privacy of individuals, discrimination, and ethics as related to protecting access to health insurance. The Principle of Utmost Good Faith ensures that both parties involved in a contract will act in good faith and provide the services the contract states, regardless of the condition of the parties. That means that the holder of an insurance policy should expect payment as long as they meet the conditions in the policy, regardless of what might occur in the future. In addition, parties to…
genetic testing work place? EXPECTATIONS: Please read: Genetic Testing Future Disability Insurance: Thinking Discrimination Genetic Age Paul Steven Miller. The Journal Law, Medicine & Ethics. Genetic testing in the workplace There is presently much controversy regarding genetic testing in the workplace, as even though it is not yet a common occurrence, employers appreciate the fact that it is very likely to assist them in experiencing as little loss as possible. Genetic
Complex inheritance health issues mean people inherit multiple chronic health diseases or issues that can lead to diseases, compounding the likelihood of chronic illness (Kristoffersson, Cassiman, & Schmidtke, 2010). Common medical problems that can be inherited such as high blood pressure and diabetes, can lead to an illness like congestive heart failure in someone who inherits these medical problems. This is because diabetes may make it easier to become unhealthy
Huntington's disease (HD) was the first autonomic dominant disorder for which genetic prediction became possible" (Harper, et al., 2000, Journal of Medical Genetics, p. 567). HD is a disease that occurs due to an inherited disorder leading to the death of brain cells. A diagnosis of HD is accomplished through genetic testing which can be implemented at any age regardless of whether the symptoms manifest or not. Although, the specific
1. The concerns Tonya and Lisa have regarding genetic testing raises several ethical questions that Dugas (2005) outlines. The right to self-determination is central in matters linked to genetic testing, and nurses do need to understand their role in providing informed consent when patients are faced with a decision similar to that of Tonya and Lisa (Dugas, 2005). In addition to providing patients with all the information they need to
Genetic Disease It is very clear, that today's focus on genetic technology and its claim has been having some vital insinuations for healthcare at the present time and also in the future. Nurses need to recognize the position of assimilating new knowledge of genetics into their performances and be capable of helping patients to be able to manage with their genetic foundation of various diseases. Nurses likewise will need to know
However, an individual should be able to investigate their own roots, even if the science is questionable. When such information is released into the public domain without the individual's permission though, a lot of harm can be done. Making invasions into a person's genetic history illegal is probably the best remedy. Genetic testing has become an important tool for medical diagnosis and treatments (Norrgard) and therefore should be available to