The next time you apply for individual health insurance, be prepared for a variety of screening test procedures to see if the insurer will deny or accept you, including: blood, urine, alcohol or smoking tests, and composition evaluation genetics.
In the individual private health care market, there is the concept of medical underwriting of health insurance. It involves evaluating and quantifying a potential applicant applying for coverage as a potential liability or risk to the insurer by a professional underwriter. The process is similar to applying for a loan from a commercial bank. Basically, there are three types of risk that the insurer will detect.
(1) Physical Hazard; The main concern regarding the applicant. In this context, the question refers to the proposed insured’s medical condition or a susceptibility to cancer determined by family history.
(2) Moral Hazard; A potential insurer would decline to consider an application altogether if there is explicit or implied evidence that the applicant is engaged in hazardous occupations, sports or occupations.
(3) moral hazard; An insurer will definitely try to avoid speculation by insuring an applicant who is prone to suicidal tendencies, criminal behavior and certain lifestyle habits or tendencies.
For years, insurers predicted the reliance on multiple subsystems derived from the strategic cumulative integration of intelligent computers to draw their conclusions to assess risk. A new technology currently in experimental phases funded by Kaiser University has discovered through a statistical methodology to determine and unify the three risk categories in unison during real time for the purpose of medical underwriting using genetically calculated risk scoring algorithms. It is a highly interoperable biometric screening application interconnected to a plurality of healthcare relational databases. The silicon device uses an infrared thermal touchscreen sensor as a biometric identifier that verifies the integrity of an applicant’s personal genetic profile with pin-sharp accuracy by matching their fingerprints against federal law enforcement databases, national automated verification and a compilation of tabulated data. DNA deposits.
DNA?
Humans have 23 pairs of chromosomes that contain their blueprint DNA. One member of each chromosome pair comes from your mother, the other comes from your father. Every cell in the human body contains a copy of this DNA. The vast majority of DNA does not differ from person to person, but 0.10 percent of a person’s entire genome would be unique to each individual. This represents 3 million base pairs of DNA. In clinical studies, this percentile has been shown to be significant enough to structurally compose predictive metrics of great importance to an insurance company, including approximation of personal behavioral tendencies, psychological competence, and expected mortality or morbidity. It has been so adept at spotting risks that a law was recently passed to protect employees and insured applicants from its discriminatory bias known as the Genetic Information Nondiscrimination Act. However, the law is mired in claims imposed directly or indirectly by the Health Insurance Portability and Accountability Act, which places few restrictions on the information HIPAA-covered entities can share.
What does my DNA have to do with my health insurance?
In the past few decades, insurance companies have begun to store data from many of the popular DNA databases, such as the Integrated Automated Fingerprint Identification System and CODIS, with mixed-use proprietary commercial data sets, such as Ingenix, Physician Computer Network, Intelliscript, Medical Information Bureau, and even Secure Flight. Passenger data compiled by the Transportation Security Administration. The so-called purpose of this was for authentication and with the recent warning of electronic health record identity theft, an applicant’s authenticity was the alibi insurance companies needed to exploit and get away with it, while also creating a more robust subscription system. Just remember that the next time you visit your PCP, you signed a petition form that authorizes all parties managing your care to share knowledge about your health that, in unique circumstances, grants special permissions to all parties listed above.
How does this new system work?
A fingerprint is made up of a series of ridges and valleys on the surface of the finger. The ridges are the segments of the upper layer of the skin of the finger and the valleys are the lower segments. The ridges form so-called minutiae points: ridge ends (where one ridge ends) and ridge bifurcations (where one ridge splits into two). There are many types of minutiae, including points (very small ridges), islands (ridges slightly longer than points, occupying an intermediate space between two temporarily diverging ridges), ponds or lakes (empty spaces between two temporarily diverging ridges), spurs (a notch protruding from a ridge), bridges (small ridges joining two larger, adjacent ridges), and crossovers (two ridges crossing each other). There are five basic fingerprint patterns: arc, attempted arc, left loop, right loop, and whorl. Loops make up 60% of all fingerprints, whorls make up 30%, and arcs 10%. Fingerprints are generally considered unique, with no two fingers having exactly the same dermal ridge characteristics. The biometric device measures one-touch kinetic heat frequencies of applicants distributed through minutiae points and automates a ridge-recognition encryption key query through a call interface sent by an encrypted terminal control program. Basically, the examiner will inquire based on the information presented to it and wait for a response from the central computer in remote proximity. I don’t know about you, but somehow the idea of my data traveling through a typical client/server architecture doesn’t make me feel comfortable at all. Imagine all the mistakes that can go wrong. The new system is poised to explode at all social levels as well as invade all of our privacy rights as citizens, regardless of qualification for coverage.
There is something you can do.
If you don’t want insurance companies to have access to your sensitive private health information, among many other things, such as your financial prowess, spending, personality, or lifestyle, the first thing you should do is avoid applying with Kaiser Permanente or any of the partners. member insurance companies owned by the National Electronic Information Corporation, it’s bad enough that we have to be ordered around by the Bureau of Medical Information just to get health insurance in the first place.
The second thing you can do is visit our website to find more information about health insurance or just leave your information (in order to protect your privacy, you don’t need to leave any other information you don’t feel comfortable sharing). We will be happy to provide competitive quotes from major health insurance companies that do not participate in this practice. Not all insurance companies participate in this type of screening process, but you’ll probably want to avoid companies that do the same thing once you’re in the system, in that place you don’t want to be if you value your health care and how much you value it. What do you spend on it?
