Brca2 Gene

She had breast reconstruction done because they found DCIS (stage 0) against cancer. The insurance agent asked me if she was diagnosed with cancer, but I'm not sure how to answer with precision. If I say yes, I'll pay a higher premium, even if I did not increase the risk caused by the BRCA2 gene. I want to be honest though.

I do not know exactly how things work over in the U.S. with insurance, I am UK resident. But in terms of giving an accurate account of your risks, difficulties.

It seems that your mother cancer. The definition of DCIS (stage 0) is the following:

"DCIS is stage 0 cancer, the earliest form of breast cancer. Breast cancer is at stage 0 cancer of content that has not spread beyond the ductal system (in lymph nodes or other areas body). The cure rate for DCIS is nearly 100% provided a method accepted type of treatment is followed. "

Thus, although it was cancer, the result is generally very positive. If you know she has the BRCA2 gene - so it's very likely the cause of his cancer. So, in theory, if you do not have this gene, you are less likely to be at risk. But given that 1 in 9 women get cancer at some point in their lives, you can not delete your chances of just not having a certain gene. It is believed that my mother did not BRCA1 or BRCA2 - However, she had breast cancer and therefore did his mom. Therefore, I figure that my risk of having it is probably proportionately higher, even if I do not have these particular genes, because there are probably other genes and circumstances that interact with each others, to increase my risk. However, after seeing a genetic counselor I told my risk was 20% compared to the general population risk of 10%. Because my sisters and my gran or aunt (my mother's sisters) have had cancer.

The concept of risk dealing with insurance companies should be the same as doctors - but I'm not sure this is the case. Be honest, say it has been diagnosed with cancer and had the BRCA2 gene. But it is also clear that you have been tested and you do not have the gene. This should limit the impact on your premiums and the conditions they place on the payment.