RJ Reynolds
Flunk the Gene Test and Lose Your Insurance.
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Document Images
DNA probes may offer
dazzling insights. But
they have helped foster
a pernicious new form
of discrimination.
BY GEOFFREY COWLEY
AMIE S'lFBHFNSON HAS SEEN FIRST-
hand what modern genetic science
can do for a family. When her son
David was 2 years old, a pediatri-
cian noticed developmental delays
and suspected fragile X syndrome,
a hereditary form of mental retar-
dation. A lab test confirmed the di-
agnosis, and the Stephensons spent several
years learning to live with it. When David
was 6, he visited a neurologist, who scrib-
bled "fragile X" on an insurance-company
claim form. The company responded
promptly-by canceling coverage for the
entire family of six. There is no medical
treatment for fragile X, and none of David's
siblings had been diagnosed with the condi-
tion. "The company didn't care," Stephen-
son says. "They just saw a positive genetic
test and said,'You're out :"
From the dawn of the DNA era, critics
have worried that genetic testing would
create a "biologieal underclass"- a populaA
tion of people whose genes brand them as
poor risks for employment, insurance, even
marriage. The future is arriving fast. Med-
48 NEWSWEEK nBCEMBER 23, 1998 xvescxtEs

®
6 ical labs can now test human cells for bun-
dredsofanomalous genes.Besidestraeking
~ rare conditions, such as Huntington's dis-
ease and cystic fibrosis, some firms now
gauge people's susceptibility to more com-
mon scourges. By unmasking inherited mu-
tations in p58 (main story) and other genes,
the new tests can signal increased risk of
everything from breast, colon and prostate
tumors to lymphoma and leukemia.
Many of the tests are still too costly
for mass marketing, but that will
change. And as the Stephensons'
story suggests, the consequences
won't all be benign. 'This is bigger
than race or sexual orientation,"
says Mattha Volner, health-policy
director for the Alliance of Genetic
Support Groups. "Genetic discrimi-
nation is the civil-rights issue of the
21st century."
No one would argue that genetic
tests are worthless. Used properly,
they can give people unprecedented
power over their lives. Prospective
parents who discover they're silent
carriers of the gene for a disease like
Tay-Sachs, which causes death by
the age of 8, can make better-in-
formed decisions about whether and
how to have kids. Some genetic mal-
adies can be managed through med-
ication ication and lifestyle changes once
they're identified. And while know-
ing that you ie at special risk for can-
cer may be an emotional burden, it
can also alert you to the need for in-
tensive monitoring. Jane Gorrell
knows her family is prone to colon
cancer. Her father developed hun-
dreds ofprecancerous polyps back in
the 1960s, and both she and her sister
bad the same experience during the
'70s. 771eir condition, known as fa-
milial adenomatous polyposis, has
since been linked to a mutation in the
p53 gene-and Gorrell has learned
that one ofher two children inherited
it, Though the child has suffered no
symptoms, she gets frequent colon
exams and is helpingresearchers test
a drug that could help save lives.
The catch is that no one can guar
antee the privacy of genetic informa-
tion. Outside of large group plans, insur-
ance companies often scour people's
medical records before extending cover
age. And though employers face some re-
strictions, virtually any company with a
benefits program can get access to workers'
health data. So can schools, adoption agen-
cies and the military. Employees of Law-
c rence Berkeley Laboratory (LBL), a large
research institution owned by the Depart-
ment of Energy and operated by the Uni-
versity of California, recently discovered
that the organization had for three decades
been quietly testing new hires' blood and I In another 1996 study, a team led by Lisa
urine samples for evidence of various eon-
ditions. They claim blacks were screened
for the sickle-cell trait, Latinos for syphilis
and women for pregnancy. "I can't say the
information was put to some incredibly
harmful use, because we don't know what
happened," says Vicki Laden, a San Fran-
cisco lawyer who has tried unsuccessfully
~,()Genelic t,est.ing
has t.hc poieniial
to rcvolut.~o~~~iic~
171Cd]CjnC. Bllt:
r(',vOllatlonS can
bi1vC', CaSUa.ffICS.'"
Geller of Harvard Medical School docu-
mented more than 200 instances in which
healthy people experienced genetic dis-
crimination. As in Lapham's study, many
participants told of losing their health and
life insurance. But that wasn't their only
problem. One respondent was denied a job
selling insurance after he disclosed that he
had hemachromatosis, a hereditary
iron-storage problem that can be
treated for about $1,200 a year. A so-
cial worker who had excelled during
her first year at a Wisconsin health-
care company was quickly forced
out after mentioning that her uncle
had Huntington's, a degenerative
brain disease that victims' offspring
have a 50percent chance of develop-
ing. Carol Isaacson Barash, the bio-
ethics consultant who administered
the Geller study, recalls another
case in which a woman in the early
stages of Huntington's disease was
unable to, place her child with a pri-
vate adoption agency. A public
agency took the'child, eventually
matching her with a couple who had
previously been rejected them-
selves-because one partner carried
the Huntington's gene. "It's a stark
commentary on how society regards
people at risk," says Barash.
Not surprisingly, people from
high-risk families have come to fear
tests almost as much as disease. Lori
Andrews, a Chicago law professor
and former head of a federal task
force on the social implications of
genetic research, notes that only 15
percent of people with a Hunting-
ton's afilicted parent choose to learn
their own status. Discrimination
isn't their only concern; virtually
everyone testing positive for the
Huntington's gene develops debili-
tating symptoms during middle age,
and doctors can do nothing to help.
But people who might benefit from
genetic tests are almost as leery.
When researchers.at the George-
town University Medical Center
surveyed 279 people from families
plagued by breast and ovarian can- Q
-FRANCIS COLLINS
Dircctoriilthe IIuman Genomc Projed
THE STEPHENSONS
When aninsurancecoropanylearncdthat
1)avid (lefl) had fr.igile X syndromc, it canccled
ihc wbulc family's h«lth covcrage
to sue the lab for civil-rights violations.
LBL recently stopped the testing. .
How often is genetic information used
against people? No one knows, but there are
signs that discrimination is fairly com-
mon-even in the absence of sophisticated
tests. In onerecent study, researchers led by
Georgetown University sociologist Virginia
Lapham surveyed 882 families belonging to
geneticdisease support groups; 22 percent
of the respondents said they'd been refused
health insurance, and 18 percent claimed
theirperceived risks had cost them jobs.
eer, only 48 percent wanted to be tested for Q
hereditary mutations in BRCA1, a recently e-1
discovered gene that is often implicated in
those diseases. Many said the prospect of ~
discrimination scared them off. Kendra
McCarthy, a 47-year-old administrator at ~
the Virginia Department of Mental Health,
saw her mother die of breast cancer at 84, u'
her father of esophageal cancer at 41. When :
scientists developed tests that might have W
gauged her own susceptibility, she always t'
declined to take one. McCarthy doesn t re- a
gret that decision. She has developed L]
DECEMEER 23, 1996 NEWSWEEK 40
p

Ilorrn.ation, Please
One of the wonderful things about science is that there are no stupid questions. Nobel
Prize winners ask the same onesyou do. Who cares ifthey are working to cure deadly
diseases whileyou're only trying to make sense of thescience pages. Aprimer:
Whatisagene?
The basic unit of heredity, a gene con-
sists of an ordered sequence of chemi-
cals called nucleotides and designated
by the letters A, T, C or G. A gene is
situated on one of the 28 pairs of human
chromosomes. It carries instructions for
the production of proteins. The se-
quence of nucleotides serves as a chem-
ical code, determining which protein
the gene makes. Genes take the form of
a double helix.
Where are genes?
Every cell in the body contains exactly
the same genes (roughly 100,000). We
have two copies (identical orjust simi-
lar) of every gene. The only exceptions
are sperm and egg cells, which contain
one for each chromosome pair rather
than both, and red blood cells. What
makes one cell different from another
(liver from muscle, for instance) is not
their genes-which are identical-but
which of the genes are turned on.
What is a mutation?
Any change in the normal sequence of
nucleotides in a gene. A mutation can
be the deletion of a nucleotide or the
change of one nucleotide to another.
What causes
a mutation?
A mutation can be inherited: if the egg
or sperm cel] that produced the child
breast cancer, but she still has her health
coverage, and a life-insurance plan to pro-
tect her two sons.
Besides depriving people ofpo tentially
useful information, the fear of discrimina-
tion can hamper scientific progress. Bar
bara Weber, a geneticist with the Universi-
ty of Pennsylvania Cancer Center, often
asks women who learn they have BRCAl
mutations to take part in confidential fol-
low-up studies. She wants to know which
strategies are most effective for preserving
their health. "We have the tools to answer
these questions," she says. "All they have to
60 NEWSWEEK DECEMBEaPs,'lJ9B
contained a mutation, so will every one
of the child's 80 trillion cells. A muta-
tion can also be caused by radiation, by
'butagens" (chemicals, such as benzo-
E yrene, found in cigarette smoke) or
y some vituses.
What happens if _
a gene is mutated?
It no longer produces the protein it
was designed to. Since a cell has two
copies of each gene, often it can get by
with only one healthy version, and a
mutation has no medical consequences.
~ But if the mutation occurs in an egg or
sperm cell, it can be passed on to chil-
dren. And if both copies are mutated,
or if the cell needs both copies to func~
tion, then the cell is no longer able to
carry out its job,
tions as "pre-existing conditions" unless i
they're causing illness. The insurance act'
also guarantees coverage to anyone leaving
one group plan for another, whatever his
pre-existing conditions. That will make
switching jobs easier for many people, but
ethicists say the act is only a first step. Be-
cause it covers only group plans and
doesn't deal with disability insurance, it
won't do much for folks like Theresa
Morelli, an Ohio lawyer who applied for in-
dependent coverage several years ago.
Morelli was 28 and in perfect health when
she met with an insurance agent and paid
ber first premium. A month later, she got
her check back, along with a letter saying
ber application had been denied because
ber father had Huntington's disease, Mo-
relli's dad had in fact received that diagno-
sis-erroneously, it turned out-and her
doctor had made a note of it in her chart.
The restrictions on employers are as
porous as those on insurers. The 1990
Americans with Disabilities Act bars com-
panies from discriminating against people
with disabilities-and it defines that term
broadly enough to include genetic muta-
tions that have yet to cause symptoms. But
the act does nothing to keep employers
from gathering medical information, "As
long as employers have access to genetic in-
Fnnnotinn" cove Tnuric Mnlt6v nf fha
ACLU, "they ll have an irresistiblfi
incentive to use it"
Lawmakers are now racing to
strengthen the protections. At least
15 states have recently placed re-
strictions on insurers or employers,
and Congress will consider several
bills in the new session. The insur-
ance industry argues that it should
be free to charge people rates that
reflect their risks, at least when
dealing with individuals and small
companies. That way, says Richard
Coorsh of the Health insurance As-
sociation of America, each applicant
pays the fairest possible price. But
most ethicists contend that where
health coverage is :coocerned, peo-
ple shouldn't be penalised for risks
they cant medify. o
Discrimination isn't the only po- p
tential downside to genetic testing. ~
Some of the new susceptibility tests
are only vaguely predictive of ill-
ness-and no one forces the compa- 00
nies that offer them to counsel pa- tA
KENDRA MCCARTHY
Though cancer stalks her family, shc
shunned genetic testing.'ifprevention was
possible,l would say it makes sense.'
do is tell us how they're doing every six
months." Yet three fourths of the women
she approaches say no.
The federal government is now taking
steps to make genetic information less
threatening. The recently enacted Health
Insurance Portability and Accountability
Act (better known as Kennedy-Kassebaum)
bars insurers from treating genetic muta-
tients about what the results actually mean.
Even when the tests are sound and the re-
sults secure, the knowledge they create can cn
dash hopes and divide families. Unfortu- N
nately, principled ignorance doesn't alwayr~ w
make life easier. L4 n
With ANNE UNDEawoon in New York, 9
KAREN aPBmGEN in Chicago N
and MARY HAGER in Washington '^t
N
