mother with breast cancer smiling and hugging her young daughter

What You Should Know: Home Breast Cancer DNA Tests

In March of this year, ancestry DNA testing giant, 23andMe, announced that they would begin testing user DNA for Breast Cancer genes, more specifically identified as the BRCA1 and BRCA2 genes. While technically able to test for these genes for years, it wasn’t until this past March that the FDA officially signed off on it, therefore, making the 23andMe at-home DNA test, the first FDA-approved direct-to-consumer test to evaluate one’s potential risk for cancer.

What Can Your DNA Reveal

The test is offered as an add-on to 23andMe’s standard ancestry report for a total of $199 and is delivered alongside a variety of other reports designed to tell you if you possess certain genetic markers which may suggest a predisposition to things such as:

  • Macular Degeneration
  • Lung and/or Liver Disease
  • Celiac Disease
  • Hemochromatosis
  • Hereditary Thrombophilia
  • Alzheimer’s Disease
  • Parkinson’s, and many more

However, 23andMe is very careful to explain that just because your report labels you at risk or cleared of certain genes signifying a predisposition to genetic diseases does not mean that you definitively will, or will not, be diagnosed with said diseases within your lifetime.

In regard to the Breast Cancer testing and as it stands in the scientific community today, there are over a thousand known mutations of the BRCA gene—only some of which have been definitively linked to an increased risk of developing cancer, others which have not, and even more whose risk is at present, unknown.

The 23andMe health testing add-on only reports on three of the genetic variants that are often associated with a significantly higher risk of developing breast and ovarian cancer. According to an article from The Atlantic, “23andMe only tests for two mutations in BRCA1 and one in BRCA2, all of which are most prevalent in the Ashkenazi Jewish population. These mutations are among the most common and best studied, but they still account for only a small fraction of hereditary breast cancers in the United States. A negative result for the three mutations highlighted by 23andMe is not, therefore, a negative result for all BRCA mutations. 23andMe has crafted a set of slides to educate customers on this distinction, though it will not offer genetic counseling directly. 23andMe encourages customers who do test positive to contact a doctor for retesting in a clinical lab.”

saliva samples from home breast cancer DNA testThe Risks Of Purchasing A Home DNA Test

Over the past decade, these at-home DNA ancestry kit tests have exploded in popularity. And while millions are taking advantage of this unique opportunity to learn more about their roots and genetic makeup, the costs may not be limited to just what comes out of their bank accounts.

In 2008, the Genetic Information Nondiscrimination Act (GINA) was signed into law prohibiting employers and health insurance providers from discriminating against employees and enrollees based on their genetic test results. The catch is that this law does not include supplemental insurance products such as Term Life, Long-Term Disability, Long-Term Care, and others.

Another leading concern amongst potential customers lies hidden within the fine print of the Terms and Conditions of the companies offering this service. What happens to your sample after it is tested? Does the company you go through technically own your DNA after you send it to them? Can your DNA be sold to a third-party? These are just a few of the questions that many prospective customers still would like some additional clarity on.

According to AARP, “Your genetic code is unique. Most services promise to protect your privacy and to release your digitized data for research only with your consent. But with this consent, the company could potentially sell your DNA for a variety of purposes.”

Ancestry, in particular, has been forced to issue a number of clarifying statements in regard to protecting customer privacy, in an attempt further explain the rights and privileges you (as a customer) are giving them when you purchase their kit and mail in your sample.

Since the passage of GINA, there has been a renewed push to expand the law to also apply to some of the previously mentioned supplemental insurance types, but as of yet, no consensus has been reached.

Is Knowledge Power?

Ultimately, the only person who can decide whether taking advantage of 23andMe’s Health+Ancestry service is you.

If your only goal in receiving your personalized report is to find out if you have the BRCA 1 and/or BRCA 2, going the traditional route through your doctor may be a better fit. According to, “Under the Affordable Care Act, insurance companies are required to pay for both genetic counseling and BRCA testing for women who meet certain criteria. For these patients, insurance companies must cover the entire cost of genetic counseling and BRCA testing with no out-of-pocket costs to the individual.”

If your family history denotes that you may be at risk for developing breast cancer, and your Health Insurance company is willing to pay for counseling and testing, this may make more sense than spending nearly $200 on a series of health and ancestry reports from 23andMe.

However, if you are also interested in delving into the very core of your DNA, your genetic history, and more, the 23andMe reports may be able to offer you added value, if you are comfortable with the risks mentioned above.

Qualifying For A Special Enrollment Period

Miss out on Open Enrollment and find yourself in need of Health Insurance? Not to worry! You may find that you qualify for a Special Enrollment period. Life happens, and evolving life circumstances such as a loss of a job or a new one, a marriage or divorce, the birth or adoption of a child, and more could qualify you for a chance to review, change, or sign up for Health Insurance out of the Open Enrollment season.

To find out if your special circumstance qualifies you, visit your association page to reach out to one of our licensed Benefits Counselors today!

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In short, no one plans to become disabled. And yet, it can happen to anyone at any time and the chances of it happening only increase with age, lifestyle choices, and even the type of work we do on a daily basis.

Popular Long-Term Disability Claims

But while the majority of people may imagine someone who struggles with a long-term disability as wheelchair bound, the fact of the matter is that long-term disabilities can manifest in a host of different ways— some visible, some not.

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  1. Recent Accidents

Accidents and medical scares are a key indicator that your loved one may need additional help. Falls, fender-benders or car accidents, mismanaging prescriptions can all be scary and stressful for loved ones, caregivers, and everyone involved.

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The Group Health Insurance industry continues to change with premiums continuing to rise. You have probably changed insurance carrier’s multiple times hoping to secure for the deal of the year.

So, the question is: Is that all there is? Change carriers and tweak my benefits?

What To Consider In Your Group Health Plan Decision

Not all Group Health Insurance plans are the same and one of the largest problems we come across in the industry is that so few companies are aware of all of their options. Most of the time, the reason behind this is because businesses are often dependent upon their insurance agent to present them with their group health options. In doing so, it is important for businesses to note and understand that like the differing group health plans on the market, not all agents are alike. Agents often differ greatly in regard to their level of experience and general knowledge pertaining to new and emerging trends in the industry.

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According to a Nielson Company audience report, it is estimated that the average American spends over 10 hours behind a screen consuming digital media and content. But is this much screen time actually helping us or hurting us?

As it happens, a number of studies have recently come out against the rapid increase in screen time for everyone from toddlers to senior citizens. In fact, some of these studies have shown a correlation between increased screen time and the following:

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The Protection Plan Your Firm Can’t Afford To Be Without

For home and business owners throughout Florida, Texas, and many small islands in the Caribbean, 2017 will be a year not easily forgotten.

After an above average hurricane season that witnessed the formation of some of the largest storms on record— Harvey, Irma, and Maria; the staggering amounts of damage and sheer devastation are still being felt months later in some of these most affected areas.

At the midpoint of the 2017 hurricane season Bob Henson, a meteorologist for Weather Underground, went on record with the Tampa Bay Times saying “This season has been an overachiever by almost every index… We’ve had more than a year’s worth of named storms when you look at the long-term average, and that’s being just past the midpoint of the season.”

But what does this say about the future 2018 season? According to Palm Beach Post and by association, Colorado State University, research is showing “60 percent probability that a more active season will unfold, giving a below-average season only a 20 percent probability of occurring.”

Luckily, for homeowners, there is Home Insurance, and for business owners, there is the Business Owners Policy— otherwise referred to as “BOP.”

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From abandoning vices to dedicating time for some inward reflection, there is no denying that the start of every new year is a time for reflection, looking to the future, and abandoning what didn’t work in the past.

When was the last time you examined your 401(k) business plan? Do you have a 401(k) plan for your business? Are you sure that your current plan is doing everything for you and your employees that it can? If you answer any of these questions with uncertainty or hesitation, it may be time to spend some of that reflection time on your retirement planning strategy.

If your businesses does not offer a 401(k) plan as a part of its benefits package, you could be missing out on valuable talent that may seek work elsewhere— perhaps with other businesses that do.

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