At-home testing kits are a simple way to learn more about your health. Many people use these tests to avoid seeing a doctor or to determine if they need to schedule an exam. At-home lab testing kits are effective and provide relatively accurate insight into your health, but are they covered by your health insurance plan? Read on to learn more.
EverlyWell offers more than 30 at-home medical test kits that allow you to collect samples from the comfort of your home. The collection methods used by the company are science-backed and comply with the industry standards for reliability, validity, and stability.
Once collected, you send off your sample to the CLIA-certified laboratory with the free shipping supplies provided where it undergoes independent physician review. You’ll receive your results and insights electronically within a few days after your test undergoes lab tests.
A genetic test is an affordable option, even when paying out-of-pocket. EverlyWell insurance offers affordable pricing with no hidden costs. Medical genetic tests start at $49 and are often covered using Flexible Spending Account (FSA) and Health Savings Account (HSA).
Occasionally, standard health insurance covers the cost of genetic testing. Coverage is less likely when you perform testing at home. Your best bet is to contact your medical health insurance provider for information specific to your policy. Insurance companies do not contract with EverlyWell at this.
EverlyWell testing is authorized by doctors, so it fits the guidelines for most HSA/FSA coverage. These FSA eligible tests provide information you and your doctor can use to improve your health. You can speak to your employer to determine how to handle the covered expenses of a genetic test. In most cases, you’ll receive reimbursement.
Even if your insurance policy is comprehensive and covers genetic testing, many people are reluctant to submit a claim to their medical insurance for genetic testing because their results could affect their coverage. Make sure you understand your state’s laws regarding privacy before submitting a genetic testing claim.
If you want to take control of your health and understand all you possibly can about your genetics, an EverlyWell test can help. The company offers affordable testing with an out-of-pocket cost that is typically lower than in-office genetic testing options offered under insurance plans. This is the case with private insurance, as well as Medicare and Medicaid.
When most people think about genetic testing, they think about tests that tell them about their familial heritage. But learning about your origins and your ancestors is one of many tests offered by EverlyWell.
What are the other types of at-home lab tests from EverlyWell might you consider?
EverlyWell’s at-home cholesterol and lipids test helps you evaluate your cardiovascular health. Some insurance policies cover this test. When determining if your provider covers this tyee of lab test, your carrier should understand what cholesterol and lipid testing accomplish.
The EverlyWell Cholesterol and Lipids at-home test measures:
You’ll learn whether these above markers are elevated or deficient, so you can determine if any diet, lifestyle, or other changes could improve your health. Making better choices about the food you eat is one of the easiest and best ways to counteract your health risks related to cholesterol.
EverlyWell’s at-home thyroid test helps you evaluate your thyroid health. Some insurance policies cover this at-home test. To help your carrier understand what thyroid testing accomplishes, provide them with the following measurements of the test:
This test provides you with information about the above markers, so you can determine if you should address any thyroid issues with your physician.
The EverlyWell at-home test to measure inflammation and vitamin D is analyzed by a CLIA and CAP-certified lab and offers information about:
This test is a great way to gain insight into factors that affect a variety of health issues.
The best way to learn if any of the above tests are covered or if any EverlyWell test falls under your insurance plan, contact your provider. The company is happy to provide you with detailed information about their tests that you can submit to your carrier if they have questions.
Testing that evaluates your genetic health risks and other issues helps you make smart decisions about your health. It’s an important tool to help you take control of your health and make the best possible choices based on your genetic risks and your current health. It’s tempting, especially if your flexible spending account covers the cost, to use a test to learn more about your health. These lab tests provide useful information, but also open up concerns.
However, you should understand the benefits and drawbacks of undergoing health testing. Information is important, but it can lead to unexpected problems. Even if you’re eligible, you should consider the pros and cons of testing. Understanding your medical risks is powerful, but with the benefits comes responsibility and knowing what you face.
In some cases, genetic test results can be used in the life insurance underwriting process. This means that if you have a genetic marker for a disease or condition that life insurance providers consider high-risk, your test results could be used to increase the cost of coverage.
You’re more likely to avoid problems with life insurance coverage if you pay for a test out-of-pocket. Even if you are eligible for a covered test through insurance or your FSA or HSA offers reimbursement, you might increase the odds of having issues in the future with insurance coverage.
The Genetic information NonDiscrimination Act was passed in 2008 to prevent health insurance providers and employers from discriminating against a person based on his or her genetic test results. The goal was to prevent the misuse of genetic testing against consumers.
Unfortunately, the law does not apply to life insurance providers. There are no laws that protect consumers against genetic discrimination in the life insurance industry. Life insurance providers can legally use someone’s genetic information to determine their health rating and, therefore, their life insurance rate or coverage.
Furthermore, genetic testing results can have an impact on disability insurance and long-term care insurance.
It’s also expected that life insurance providers will rely more and more on genetic information when making decisions about coverage. Anyone with a pre-existing condition or genetic risk could face rates too high to afford. This not only applies to the EverlyWell testing options listed above, but also risks related to Parkinson’s disease, BRCA1, and more.
This doesn’t mean that you shouldn’t undergo genetic testing. Nobody should base their current health decisions on the risk of having to pay more for insurance in the future. If you have concerns about genetic health risks or your current health, EverlyWell and other testing options offer insight that can help you live your healthiest life.
However, you should understand how third parties might use genetic information.
Additionally, make sure you are comfortable with learning the results of your test. It is one thing to learn that your cholesterol is high or you’re deficient in vitamin D. You can use this information to make lifestyle changes and improve your health.
But learning that you have a genetic risk for a serious and/or life-threatening condition can be devastating. Before undergoing genetic testing, make sure you’re emotionally prepared to deal with the outcome. Genetic counseling is available for people who learn of a genetic risk that causes them emotional difficulty.
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“Will Health Insurance Cover the Costs of Genetic Testing?: MedlinePlus Genetics.” Medlineplus.gov, medlineplus.gov/genetics/understanding/testing/insurancecoverage/.
Bertolotti, Mauro. “Opportunities, Risks, and Limitations of Genetic Testing: Looking to the Future from Patients’ Point of View.” Mayo Clinic Proceedings, vol. 90, no. 10, 1 Oct. 2015, pp. 1311–1313, www.mayoclinicproceedings.org/article/S0025-6196(15)00679-5/fulltext, 10.1016/j.mayocp.2015.08.015.