A Genetic Test to Spot Health Risks
Learn the pros and cons of “direct to consumer” genetic tests for assessing health risks.
Scientists first mapped the human genome 14 years ago. Since then, they have learned a lot about genetics, and someday that wisdom may lead to a cure for many diseases. But we’re not there yet. There’s “a ton we don’t understand,” says Lawrence Brody, director of the genomics and society division at the National Human Genome Research Institute. Keep that in mind if you take advantage of the first “direct to consumer” genetic test for health risks.
That test became available in the spring, when 23andMe, a DNA testing firm, was the first company to win approval from the Food and Drug Administration to sell directly to consumers—without a prescription—a genetic test that screens for certain health risks. Here’s how it works: You pay $199 to order a Health and Ancestry kit online from 23andMe.com. When it arrives, you spit into a tube and mail it back. Two months later, you can view your results in your online account. The 23andMe test currently provides results for five diseases, including late-onset Alzheimer’s and Parkinson’s. Genetic results for more health conditions will come later, says a 23andMe spokesperson.
Tests like this aren’t new, but in the past you could typically get one only if your doctor ordered it. And often it was to screen you for a specific condition, such as the BRCA genes, which put you at higher risk for breast and ovarian cancer. The results were then shared with a doctor, who interpreted them for you. By contrast, the 23andMe test puts the results in the hands of the consumer, much like a home pregnancy, cholesterol or HIV test.
Sign up for Kiplinger’s Free E-Newsletters
Profit and prosper with the best of expert advice on investing, taxes, retirement, personal finance and more - straight to your e-mail.
Profit and prosper with the best of expert advice - straight to your e-mail.
Should you get one? Before you do, consider your motive. What kind of information are you looking for, and what are you going to do with it? After all, some of the diseases for which 23andMe has been authorized to provide genetic reports—Alzheimer’s, for instance—have no cure. Also keep in mind that having the gene for a certain disease doesn’t mean you’ll get the disease. There are exceptions, of course. If you have the gene for Huntington’s disease (which is not part of the 23andMe test), “you almost certainly will get it,” says Susan Hahn, who is the Alzheimer’s expert at the National Society of Genetic Counselors.
But that’s not the case with Parkinson’s. “Direct-to-consumer genetic testing can help to identify who is at risk for developing Parkinson’s but cannot predict who will be diagnosed,” says John Lehr, CEO of the Parkinson’s Foundation. The same is true of Alzheimer’s. That’s one reason the Alzheimer’s Association discourages genetic testing, says Keith Fargo, director of scientific programs and outreach. “It’s not going to answer the question most people have: Will I get Alzheimer’s or not?”
Get counseling. Nevertheless, some people are “information seekers,” says Hahn. And information can be powerful. It could push some people to adopt healthier habits, a major factor in staying well.
If you choose to get a genetic test for health risks, seek counseling from a genetic specialist or a doctor, who can help you understand your test results. Genetic counseling is not included in 23andMe’s Health and Ancestry kit. But the firm’s website provides resources that help connect customers with counselors. Without that filter, you might misinterpret the results. Just ask Jamie Tyrone. Seven years ago, she learned in a scientific study that she had a 91% chance of getting Alzheimer’s after age 65 because she had inherited a gene associated with Alzheimer’s from her mother and her father. Tyrone, now 56, became depressed and was diagnosed with post-traumatic stress disorder. “I went into a deep, dark hole,” she says. Had she gotten genetic counseling, she would have learned that she might not develop Alzheimer’s at all. “The APOE gene is not sufficient nor is it necessary to cause the disease,” says Hahn. Tyrone is now an advocate for genetic counseling. “Get counseling ahead of time, get prepared, and get as much information as you can,” she says.
Get Kiplinger Today newsletter — free
Profit and prosper with the best of Kiplinger's advice on investing, taxes, retirement, personal finance and much more. Delivered daily. Enter your email in the box and click Sign Me Up.
Nellie joined Kiplinger in August 2011 after a seven-year stint in Hong Kong. There, she worked for the Wall Street Journal Asia, where as lifestyle editor, she launched and edited Scene Asia, an online guide to food, wine, entertainment and the arts in Asia. Prior to that, she was an editor at Weekend Journal, the Friday lifestyle section of the Wall Street Journal Asia. Kiplinger isn't Nellie's first foray into personal finance: She has also worked at SmartMoney (rising from fact-checker to senior writer), and she was a senior editor at Money.
-
What's at Stake for Alphabet as DOJ Eyes Google's Chrome
Alphabet is higher Tuesday even as antitrust officials at the DOJ support forcing Google to sell its popular web browser. Here's what you need to know.
By Joey Solitro Published
-
Lowe's Stock Is Falling After Earnings. Here's Why
Lowe's stock is lower Tuesday as Wall Street weighs a beat-and-raise quarter against declining revenue. This is what you need to know.
By Joey Solitro Published
-
Roth IRA Contribution Limits for 2024 and 2025
Roth IRAs Roth IRA contribution limits have gone up. Here's what you need to know.
By Jackie Stewart Last updated
-
Four Tips for Renting Out Your Home on Airbnb
real estate Here's what you should know before listing your home on Airbnb.
By Miriam Cross Published
-
Five Ways to a Cheap Last-Minute Vacation
Travel It is possible to pull off a cheap last-minute vacation. Here are some tips to make it happen.
By Vaishali Varu Last updated
-
How to Figure Out How Much Life Insurance You Need
insurance Instead of relying on rules of thumb, you’re better off taking a systematic approach to figuring your life insurance needs.
By Kimberly Lankford Last updated
-
Amazon Big Deal Days Is Coming! We’ve Got All the Details
Amazon Prime To kick off the holiday season with a bang, Amazon Big Deal Days runs Tuesday, October 8 and Wednesday, October 9.
By Bob Niedt Last updated
-
How to Shop for Life Insurance in 3 Easy Steps
insurance Shopping for life insurance? You may be able to estimate how much you need online, but that's just the start of your search.
By Kaitlin Pitsker Published
-
Five Ways to Shop for a Low Mortgage Rate
Becoming a Homeowner Mortgage rates are high this year, but you can still find an affordable loan with these tips.
By Daniel Bortz Last updated
-
Retirees, It's Not Too Late to Buy Life Insurance
life insurance Improvements in underwriting have made it easier to qualify for life insurance, which can be a useful estate-planning tool.
By David Rodeck Published