TITLE 27
Insurance
CHAPTER 27-18
Accident and Sickness Insurance Policies
SECTION 27-18-52
§ 27-18-52 Genetic testing.
(a) Except as provided in chapter 37.3 of title 5, insurance administrators,
health plans and providers shall be prohibited from releasing genetic
information without prior written authorization of the individual. Written
authorization shall be required for each disclosure and include to whom the
disclosure is being made. An exception shall exist for those participating in
research settings governed by the Federal Policy for the Protection of Human
Research Subjects (also known as "The Common Rule"). Tests conducted purely for
research are excluded from the definition, as are tests for somatic (as opposed
to heritable) mutations, and testing for forensic purposes.
(b) No individual or group health insurance contract, plan,
or policy delivered, issued for delivery, or renewed in this state which
provides health insurance medical coverage that includes coverage for physician
services in a physician's office, and every policy which provides major medical
or similar comprehensive-type coverage excluding disability income, long term
care and insurance supplemental policies which only provide coverage for
specified diseases or other supplemental policies, shall:
(1) Use a genetic test or request for genetic tests or the
results of a genetic test to reject, deny, limit, cancel, refuse to renew,
increase the rates of, affect the terms or conditions of, or affect a group or
an individual health insurance policy, contract, or plan;
(2) Request or require a genetic test for the purpose of
determining whether or not to issue or renew an individual's health benefits
coverage, to set reimbursement/co-pay levels or determine covered benefits and
services;
(3) Release the results of a genetic test without the prior
written authorization of the individual from whom the test was obtained, except
in a format whereby individual identifiers are removed, encrypted, or encoded
so that the identity of the individual is not disclosed. A recipient of
information pursuant to this section may use or disclose this information
solely to carry out the purpose for which the information was disclosed.
Authorization shall be required for each redisclosure; an exception shall exist
for participating in research settings governed by the Federal Policy for the
Protection of Human Research Subjects (also known as "The Common Rule").
(4) Request or require information as to whether an
individual has ever had a genetic test, or participated in genetic testing of
any kind, whether for clinical or research purposes.
(c) For the purposes of this section, "genetic testing" is
the analysis of an individual's DNA, RNA, chromosomes, proteins and certain
metabolites in order to detect heritable disease-related genotypes, mutations,
phenotypes or karyotypes for clinical purposes. Those purposes include
predicting risk of disease, identifying carriers, establishing prenatal and
clinical diagnosis or prognosis. Prenatal, newborn and carrier screening, as
well as testing in high risk families may be included provided there is an
approved release by a parent or guardian. Tests for metabolites are covered
only when they are undertaken with high probability that an excess of
deficiency of the metabolite indicates the presence of heritable mutations in
single genes. "Genetic testing" does not mean routine physical measurement, a
routine chemical, blood, or urine analysis or a test for drugs or for HIV
infections.
History of Section.
(P.L. 1998, ch. 380, § 1; P.L. 2001, ch. 38, § 1; P.L. 2001, ch. 54,
§ 1; P.L. 2002, ch. 292, § 33.)