During the recent holiday season I was peppered with advertising promoting the idea of gifting DNA and ancestry kits. I’ll admit it, I’m terrible at gift giving. It’s hard for me to give a funny, impractical, or “wouldn’t buy it for myself” type of gift. As with anything, I like something that delivers maximum value. Something that says, “I’m useful and efficient.” Like a vacuum! But I’ve been made aware that you should never give a vacuum as a gift.

Therefore, when I see these advertisements about genetic testing I’m instantly intrigued. While they all have their niche, the idea of discovering your ancestry for the purposes of diagnosing health issues sounds both unique and practical. But does it work and would someone actually want this?

Vacuum Gift

What are these genetic tests?

Scientists first mapped the human genome 14 years ago. Since then, they have learned a lot about genetics, and someday that wisdom may lead to a cure for many diseases. But we’re not there yet. There’s “a ton we don’t understand,” says Lawrence Brody, director of the genomics and society division at the National Human Genome Research Institute. Keep that in mind if you take advantage of the first “direct to consumer” genetic test for health risks.

That test became available in the spring, when 23andMe, a DNA testing firm, was the first company to win approval from the Food and Drug Administration to sell directly to consumers–without a prescription–a genetic test that screens for certain health risks. Here’s how it works: You pay $199, barring any promotions, to order a Health and Ancestry kit online from 23andMe.com. When it arrives, you spit into a tube and mail it back. Two months later, you can view your results in your online account. The 23andMe test currently provides results for five diseases, including late-onset Alzheimer’s and Parkinson’s. Genetic results for more health conditions will come later, says a 23andMe spokesperson.

Tests like this aren’t new; in the past, you could typically get one only if your doctor ordered it. And often it was to screen you for a specific condition, such as the BRCA genes, which put you at higher risk for breast and ovarian cancer. The results were then shared with a doctor, who interpreted them for you. By contrast, the 23andMe test puts the results in the hands of the consumer, much like a home pregnancy, cholesterol or HIV test.

Should you get one?

Before you do, consider your motive. What kind of information are you looking for, and what are you going to do with it? After all, some of the diseases for which 23andMe has been authorized to provide genetic reports–Alzheimer’s, for instance–have no cure. Also keep in mind that having the gene for a certain disease doesn’t mean you’ll get the disease. There are exceptions, of course. If you have the gene for Huntington’s disease (which is not part of the 23andMe test), “you almost certainly will get it,” says genetic counselor Susan Hahn. But that’s not the case with Parkinson’s. “Direct-to-consumer genetic testing can help to identify who is at risk for developing Parkinson’s but cannot predict who will be diagnosed,” says John Lehr, CEO of the Parkinson’s Foundation. The same is true of Alzheimer’s.

That’s one reason the Alzheimer’s Association discourages genetic testing, says Keith Fargo, director of scientific programs and outreach. “It’s not going to answer the question most people have: Will I get Alzheimer’s or not?”

Nevertheless, some people are “information seekers,” says Hahn. And information can be powerful. It could push some people to adopt healthier habits, a major factor in staying well. This approach is exactly what the makers of Fitbit employ. They provide you with information on your step and calorie count with the idea that you’ll utilize the information in a productive way.

If you choose to get a genetic test for health risks, seek counseling from a genetic specialist or a doctor, who can help you understand your test results. Genetic counseling is not included in 23andMe’s Health and Ancestry kit. But the firm’s website provides resources that help connect customers with counselors. Without that filter, you might misinterpret the results. Just ask Jamie Tyrone. Seven years ago, she learned in a scientific study that she had a 91% chance of getting Alzheimer’s after age 65 because she had inherited a gene associated with Alzheimer’s from her mother and her father. Tyrone, now 56, became depressed and was diagnosed with post-traumatic stress disorder. “I went into a deep, dark hole,” she says. Had she gotten genetic counseling, she would have learned that she might not develop Alzheimer’s at all. “The APOE gene is not sufficient nor is it necessary to cause the disease,” says Hahn. Tyrone is now an advocate for genetic counseling. “Get counseling ahead of time, get prepared, and get as much information as you can,” she says.

Final thoughts…

My concern with these tests are how they affect a client’s insurability. Obviously you want to put your best foot forward when applying for insurance in order to obtain affordable coverage. So are you actually putting yourself at risk of losing coverage or increasing your premium by completing this self-prescribed genetics test?  I spoke with a representative from LLIS to get perspective on my concern and here’s what I learned:

Do these consumer kits end up on your health record?
They shouldn’t, but when seeking consultation to discuss and interpret the results they likely would be added to your record.

How else would underwriting find out about the results in the kit?
During the application process you’ll be asked to disclose any known health information. Traditionally this simply meant family health history, but now would certainly include information from consumer genetic testing kits.

Wait a minute, wouldn’t underwriting find out this information anyway when they take a blood and urine sample?
The testing done by insurance companies is different than a genetics test. Insurance companies are mostly looking for information on liver and kidney function, diabetes, cholesterol, STDs, HIV, AIDs, and drug use.

What’s the take away?
Currently these tests wouldn’t impact your insurability but may be a factor in receiving a preferred health discount. Even if the kit negatively affects you with one insurer it’s unlikely they’d all take the same view. The same is true for any medical event or test that may adversely affect your insurability or premiums, so it’s not prudent to put off a recommended test or procedure for the sake of insurance. It would be advisable to shop around if it were ever an issue.

About the Author

Quentara Costa helps the sandwich generation prioritize kids, self, and aging parents. For years Quentara was the primary caregiver for her father who was diagnosed with Alzheimers at the age of 70. Since his passing she’s become a mother of two sweet girls. Professionally she received a master’s degree in Personal Financial Planning from Bentley University and has held the CFP® designation since 2010. Community involvement includes hosting the Merrimack Valley Senior and Caregiver Group and volunteering for Budget Buddies.

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