H3257

South Carolina H3257 prohibits insurers from using genetic information to deny, limit, or price coverage for disability, health, and long-term care.

South Carolina H3257 amends the state code to prohibit insurers from using genetic information to deny, limit, or price coverage for disability, health, and long-term care insurance. Insurers cannot require genetic tests as a condition of coverage. Long-term care insurers must obtain written consent before using genetic information for underwriting. The bill also prohibits insurers from discriminating based on an individual's status as a living organ donor. These protections do not apply to accident-only, hospital indemnity, dental, or vision policies.