This bill amends R.S. 22:918(B)(1) and (C)(1) and (2) to enhance protections against discrimination in life and long-term care insurance based on genetic information. It specifies that insurers cannot consider an individual's or their family member's participation in genetic research or testing when making underwriting decisions, unless the results are part of the individual's medical record or provided by the individual. The bill also clarifies that insurers are prohibited from canceling, limiting, refusing to renew, denying coverage, or increasing premium rates based on requests for or receipt of genetic services.

Additionally, the bill updates the language regarding prohibited actions by insurers, replacing terms like "cancel or refuse to renew" with broader terms such as "cancel, limit, refuse to renew, deny coverage, or increase premium rates." This change aims to strengthen the protections for individuals who engage in genetic research or testing, ensuring that their insurance coverage remains secure regardless of their genetic information.

Statutes affected:
HB521 Original: 22:918(C)(1)
HB521 Engrossed: 22:918(B)(1)
HB521 Enrolled: 22:918(B)(1)
HB521 Act : 22:918(B)(1)