Is it illegal for licensed insurance agents to process cancer screening test?

Jan 28, 2019

  1. lifeagent13
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    lifeagent13 Super Genius

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    I have heard conflicting information on this and would like to know what everyone here thinks.

    Thanks!
     
  2. Northeast Agent
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    Northeast Agent Guru

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  3. LostDollar
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    LostDollar Guru

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    I would not want to be responsible for encouraging someone to take a test which could put information in their medical records which would cause an insurance company to deny some type of insurance coverage in the future.
     
  4. DS4
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    DS4 Guru

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    I agree. Better to not know you have cancer and just die.
     
    DS4, Jan 28, 2019
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  5. sshafran
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    sshafran Guru

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    Which med supp carriers deny based on genetics pre-disposition tests, exactly?

    But if you know you have Cancer (or even a genetic predisposition for it), and your Hi-F premium skyrockets from $38.47 to $43.98 - is it really worth living?
     
    sshafran, Jan 28, 2019
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  6. somarco
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    somarco GA Medicare Expert

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    I have never seen that on a Medigap app, but I believe SOME life insurance carriers are asking about genetic testing as part of their underwriting review.

    I don't believe genetic testing would show on an MIB report unless (maybe) it was used to deny or rate an app
     
    somarco, Jan 28, 2019
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  7. LostDollar
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    LostDollar Guru

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    Let's not confuse genetic predisposition tests and pathological tumor examinations.
     
  8. myinsurebiz
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    myinsurebiz Guru

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    If an Insurance carrier will pay for such tests - why not?
     
  9. NormMitchell
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    NormMitchell Expert

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    Not a problem, when it's done correctly and referred by the Medicare beneficiaries personal physician who has determined that the test would be beneficial. But when a bunch of agents or other people gather the swabs from random regular Medicare beneficiaries and submit them to a Teledoc who has no relationship with the patient and the agent receives payment for that referral it becomes Medicare Fraud!
     
  10. myinsurebiz
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    myinsurebiz Guru

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    I can't find any statement / regulation from CMS that dictates the test has to be ordered / prescribed by someone's "personal" physician.
     
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