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Health insurers are offering DNA testing to see how some medicines might work. What to know before you opt in

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Health insurers are offering DNA testing to see how some medicines might work. What to know before you opt in

compressed-file-20250930-73-tfr653.jpeg Health insurers are offering DNA testing to see how some medicines might work. What to know before you opt in
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Two major Australian health insurers, Bupa and Medibank, have started offering genetic testing meant to tell you your likely reaction to certain medications.



These include antidepressants, pain medications and ones to manage your cholesterol or heart health.





This pharmacogenomic testing can tell whether a drug is likely to work in a certain person, the best dosage, or if that person is at increased risk of side-effects.



But is Australia ready for much wider pharmacogenomic testing than it already provides?



What are health insurers offering?

Bupa last week announced it will offer 10,000 free pharmacogenomic tests to its customers before the end of the year.



The kits will be sent by post and involve taking a mouth (cheek) swab at home. They cover your likely responses to more than 100 medications.



Test results go to your GP. Unless your GP bulk bills, you will have to pay an out-of-pocket fee to see them to receive the results.



Medibank started offering pharmacogenomic testing in July this year. However, it offers partial coverage – up to A$500 depending on the level of extras cover, for tests a clinician orders for a “clinical purpose”.



So Bupa is taking a universal approach by offering many people testing for many possible responses. Medibank’s approach only covers tests ordered by clinicians for a specific clinical need.





Should I get tested?

If you are a Medibank customer, you can ask your doctor whether pharmacogenomic testing is appropriate for you. However, there are a few considerations for people thinking about the Bupa testing.



The test is likely to have some use for some of the 10,000 people tested. So for many, the potential benefit may outweigh any concerns.



Concerns may include where your genetic data is stored and who might have access to it.



Bupa says genetic test information won’t be shared with any other part of Bupa.



However, the 23andme data breach is still fresh. In 2023, the genetic testing company had a massive data breach, and the issue of DNA data security is not going away.



Bupa says genetic test information won’t impact someone’s health insurance premium.



The Commonwealth government has also just released draft legislation to ban genetic discrimination in life insurance. When that legislation is passed, it will be illegal for life insurers to charge higher premiums, or deny you coverage, based on health risks revealed by genetic testing, including pharmacogenomic tests.





Do we already have pharmacogenomic testing?

Medicare already reimburses some types of pharmacogenomic testing for specific purposes.



For example, the drug abacavir is given to some people with HIV. But people with a specific gene variant (the HLA-B*57:01 allele) are at increased risk of a life-threatening allergic reaction. So Medicare reimburses this testing to see if the person is at risk of this side-effect.



Late last year, the Royal College of Pathologists of Australasia called for Medicare rebates for more pharmacogenomic tests.



The college has also gathered evidence and advice for doctors about pharmacogenomic testing related to several drugs.



However, it is not proposing these tests for entire populations, but only for people with a clinical purpose. This is similar to Medibank’s approach.



Are we ready for wider pharmacogenomic testing?

Governments are discussing the prospect for much wider genomic testing. This could test whole populations for genetic variants that predict disease risk or influence how certain medicines work.



Genomics Australia

, part of the Department of Health, Disability and Ageing, was launched on July 1 this year. It has sought feedback on its National Health Genomics Policy Framework, which includes the future of population genomic testing.



The question is whether Australia is ready to roll out such population-wide testing.



If you test for many pharmacogenomic variants, many people will have results that could be relevant if they ever require certain medications.

But how would the test results be disclosed and explained to people who had been tested? Who would do this? We know many GPs lack confidence with interpreting and using genetic test results.



What about results where there is no immediate benefit? How would they be integrated into the health system and made available at the time they became relevant? For example, will a paramedic treating an injured patient in the back of an ambulance know their pharmacogenomic testing results before providing pain medication?



Do the results apply to diverse populations? The Royal College of Pathologists of Australasia notes we lack data on the applicability of tests to diverse groups, including First Nations people.



Finally, are the potential benefits sufficiently cost-effective to warrant the funding of such testing at the population level?



For governments to introduce population screening programs, they need to consider issues including equity of access, relevance of the test to the whole target population, the need for an established policy for management of high-risk people, and cost-effectiveness.



These principles apply to other DNA screening programs too.



For example, DNA Screen, the study I co-lead at Monash University, has piloted DNA screening for people at high genetic risk of conditions such as certain types of cancer and heart disease. We carefully designed our program considering such population screening principles.



Is this the future of health screening?

Genomic technology will continue to advance, and commercial interests will continue to seek opportunities to provide DNA testing, including pharmacogenomic testing.



However, for equitable, evidence-based population DNA screening programs, we need government investment.



Only with sufficient research can we begin to consider whether population-scale pharmacogenomic testing is ready for prime time.



This article is republished from The Conversation under a Creative Commons license. Read the original article.

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It would be more appropriate to be able to get results to see if a genetic gene as seen in breast cancer could be free instead. I have had breast cancer but the test is very expensive for my daughters to check if they carry it
 
Very much a double-edged sword. There may be value in learning about potential risks (which don’t necessarily translate to actual events anyway), but there’s also the risk of insurance coverage (and premiums) becoming tied to the data as well.
 
There could be benefits of DNA testing for those who were adopted and have no knowledge of their biological parents.

I would definitely want DNA testing if I were in that situation.
 
Pharmacogenomic testing should be initiated by a medical concern, such as GPs and specialists, NOT by an insurance mob.
 
What's the point anyway, when the pharmacist tries to dupe you with similar looking generics?

PS: If a pharmacist ever tries to BS that a particular medicine is 'out of stock', you can check if it's true on Google.
Statistics are updated quite vigilantly.
 
Medically warranted, yes. Potential wide scale use, no way. I could envisage it has the capacity to lead to massive discrimination in a number of settings.
 
After having a sensationally negative reaction to ENDONE, I think I may be incined to have this testing done. However it does concern me that it is being undertaken by an Insurance Co. (for what real purpose I don`t know) I think genetic testing maybe of more value, but once again how might this info be used by an Insurance Co.
 
After having a sensationally negative reaction to ENDONE, I think I may be incined to have this testing done. However it does concern me that it is being undertaken by an Insurance Co. (for what real purpose I don`t know) I think genetic testing maybe of more value, but once again how might this info be used by an Insurance Co.
Hi Sherrill54. For what it’s worth, my take is that “Pharmacogenomic testing” being offered by private health insurers like Bupa and Medibank is, at this stage, an optional service — and one they’re choosing to cover under certain policies. It’s not mandatory, and whether to take it up remains entirely a personal choice.
From my perspective, this kind of testing could be genuinely beneficial, particularly for people managing serious health conditions where medication response varies significantly, such as mental illness, cancer, or chronic pain. The reality is that one drug does not suit all. Knowing in advance which medications are likely to be effective — or potentially harmful — based on an individual’s DNA could be life-changing, even life-saving.
Of course, concerns around data privacy and ethical use of genetic information are valid and must be taken seriously. Strict safeguards need to be in place, and people should feel confident in how their data is handled.
Speaking personally, I’ve seen a loved one go through the painful and risky trial-and-error process of finding the right medication for a mental health condition. If this type of testing had been available back then, we absolutely would have considered it. Ironically, the medication that turned out to be the perfect fit for him has been life-threatening for others and that’s exactly the kind of insight this testing can provide early on.
Apart from individual care, the use of this data, handled ethically, could also accelerate the development of safer, more targeted medications in the future.
Ultimately, I believe it’s about giving people more information and more choice, especially those already navigating serious illness. Whether accessed through private health insurance or paid out-of-pocket, I see it as an option worth considering for certain conditions, while acknowledging the possible potential risk around privacy.
 
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Hi Sherrill54. For what it’s worth, my take is that “Pharmacogenomic testing” being offered by private health insurers like Bupa and Medibank is, at this stage, an optional service — and one they’re choosing to cover under certain policies. It’s not mandatory, and whether to take it up remains entirely a personal choice.
From my perspective, this kind of testing could be genuinely beneficial, particularly for people managing serious health conditions where medication response varies significantly, such as mental illness, cancer, or chronic pain. The reality is that one drug does not suit all. Knowing in advance which medications are likely to be effective — or potentially harmful — based on an individual’s DNA could be life-changing, even life-saving.
Of course, concerns around data privacy and ethical use of genetic information are valid and must be taken seriously. Strict safeguards need to be in place, and people should feel confident in how their data is handled.
Speaking personally, I’ve seen a loved one go through the painful and risky trial-and-error process of finding the right medication for a mental health condition. If this type of testing had been available back then, we absolutely would have considered it. Ironically, the medication that turned out to be the perfect fit for him has been life-threatening for others and that’s exactly the kind of insight this testing can provide early on.
Apart from individual care, the use of this data, handled ethically, could also accelerate the development of safer, more targeted medications in the future.
Ultimately, I believe it’s about giving people more information and more choice, especially those already navigating serious illness. Whether accessed through private health insurance or paid out-of-pocket, I see it as an option worth considering for certain conditions, while acknowledging the possible potential risk around privacy.
Yes, Knell I think you are spot on with your comments. My step-daughter who has long ago been diagnosed with schizophrenia, is another case, she has recently been diagnosed with Bipola, and it is so confusing, there have been trials on many medications, so far the only ones that seemed to make any difference have also been long overlooked. It would be so good for her to know exactly what her diagnosis is and what would be the best way of managing it. Privacy here is not an issue.
 
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Yes, Knell I think you are spot on with your comments. My step-daughter who has long ago been diagnosed with schizophrenia, is another case, she has recently been diagnosed with Bipola, and it is so confusing, there have been trials on many medications, so far the only ones that seemed to make any difference have also been long overlooked. It would be so good for her to know exactly what her diagnosis is and what would be the best way of managing it. Privacy here is not an issue.
100% agree.
 
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