Prohibit the use of genetic information for life insurance, disability insurance, and long-term care insurance

LB 338 prohibits Nebraska life, disability, and long-term care insurers from denying coverage, charging higher premiums, or limiting benefits based on genetic information collected during medical treatment. It does not stop insurers from using clinical diagnoses from medical records or asking about family health history during underwriting. The bill aims to remove barriers to genetic testing by ensuring such information cannot impact insurance eligibility. Exceptions allow insurers to review standard medical records and consider diagnosed conditions, but not genetic data gathered for health care purposes.