Bill > LB338

This bill seeks to prohibit life insurance, disability insurance, and long-term care insurance providers from using genetic information to make coverage decisions or set premium rates. The bill recognizes recent advances in genetic science and aims to remove barriers that might discourage individuals from seeking genetic testing. Specifically, the legislation prevents insurers from canceling, limiting, or denying coverage based on genetic information collected for healthcare treatment, and prohibits them from requiring or soliciting genetic test results. However, insurers can still review medical records during application exams, ask about family history, and consider clinical diagnoses in an individual's medical record. The bill defines genetic information and genetic tests by referencing existing definitions in section 48-236. The legislation is modeled after the federal Genetic Information Nondiscrimination Act of 2008, which already protects against genetic discrimination in health insurance, and extends similar protections to life, disability, and long-term care insurance to encourage individuals to take advantage of genetic testing without fear of insurance discrimination.

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https://nebraskalegislature.gov/bills/view_bill.php?DocumentID=58826