May a health insurance carrier require that employees undergo a genetic test as part of the application process?
Texas law provides that a group health benefit plan may require genetic tests only in limited circumstances. Where testing is permitted, the insurance carrier must notify the applicant that the test is required, disclose to the applicant the proposed use of the test, and obtain the applicant’s consent. The law does not apply to individual health insurance policies or self-insured employer plans. May coverage be denied based upon the results of a genetic test? A group health benefit plan may not use genetic information to reject, deny, limit, cancel, refuse to renew, or increase the premiums for coverage under the plan. This legal restriction does not apply to disease-specific (e.g., cancer-only) policies or to Medicare supplemental policies. V. Evaluating Quality in a Health Benefit Plan A small employer should consider plan accreditation status, credentials, performance (measured by report cards), preventive care, quality management, and member satisfaction in evaluating the quality o
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