"Genetic testing is a type of medical test that identifies changes in chromosomes, genes, or proteins." These tests should be covered by medical insurance because they are not affordable for some families and they save money in the long run. These tests are beneficial to us because they remove all uncertainty for genetic mutations. For example, women dealing with pregnancy can be informed about the current health of their baby before it is born. Also, individuals with a history of a disease can be genetically tested for any early signs of it.
This argument is wrong because if you don't have the money, why pay for a test that is not covered by insurance. Genetic testing should not be covered by medical insurance because most testing is already not covered by medical insurance. In the article by NPR states that insurance companies, "... cover genetic tests that look for genetic anomalies if the patient has a family history or any other factors, and if it is BOTH a reliable test and some potential benefit." For example, Alzheimer"s disease is not covered by health insurance because it is not deemed as a reliable source of testing. So if your healthcare provider doesn't trust it, why should you?
Genetic testing should not be covered by medical insurance because it is high risk testing. According to this website: Insurance companies only if it goes through several requirements: For breast cancer patients, they must be diagnosed before the age of 45, and they need to have a family history of breast cancer. However, if you are a male, there is no requirements to getting insurance. So is medical insurance is lenient to several classifications?
Genetic testing should be covered by medical insurance because there are little to no risks for most, if not all genetic tests. "Genetic tests are performed on a sample of blood, hair, skin, amniotic fluid..", and most of these are very easily obtainable, with no harm being done at all to the person. Getting amniotic fluid is the only thing that has an extremely minimal risk. Having a family history of breast cancer is a good reason for genetic testing to be covered by medical insurance. For example, someone might have a family history of breast cancer, but isn't able to afford a gene test. That's where genetic testing being covered by medical insurance comes in.
My opponent is wrong because according to cancer.gov, slide 31 states that ,"Perhaps the most serious limitation of gene testing is that test information is not matched by state-of-the-art diagnostics and therapies. To receive positive test results when there is no adequate treatment can be tragic." So not all tests are once again not reliable as the machine can be buggy and cause some errors in the system.
My opponent seems to be misinterpreting the cancer.gov source. The slide is simply saying that receiving a positive test result for a disease that cannot be treatable is devastating to the patient. While this is true, It is great for patients to be completely aware of any diseases that they have, so they can be fully aware of the dangers. This is yet another great reason that health insurance should cover genetic testing.
In March of 2010, a bill was passed called the Patient Protection and Affordable Care Act (PPACA). The section about genetic testing has regulation that DO NOT cover:
Genetic testing in people who have a family history of Lynch Syndrome (which is a related form of colon, uterine, and ovarian cancer)
Genetic testing for women who have cancer (excluding breast cancer)
Unmentioned genetic tests for men
Genetic testing should be covered by medical insurance because it saves money for both the patients and the medical insurance in the long run. Getting a genetic test and discovering early on that you have a genetic disorder will allow you to start treatment as soon as possible. This will save you the trouble of dealing with any effects later on if you didn't know you had a disorder. Genetic testing can "eliminate the need for frequent checkups and tests that are routine in families with a high risk of cancer." This will help both parties save money.
Genetic testing should not be covered by insurance because there is genetic discrimination in the workforce. According to the article, It talks about an act called Genetic Information Non discrimination Act or GINA for short. it discusses about how Employers can't fire people for their disorders and Insurance companies can't deny them insurance. But they found a loophole, they can't deny them only health insurance. So people pay for it out of the pocket.