The short answer
This guide helps readers communicate useful inherited-risk information without reopening unsafe or harmful relationships. It supports—but does not replace—individual medical, legal, or coverage advice.
The goal is to communicate useful inherited-risk information without reopening unsafe or harmful relationships.
Use a neutral intermediary or genetics-clinic letter when direct contact is unsafe.
Share only the information needed for health decisions.
Do not pressure a relative to test or disclose results.
Choose how you want to understand this
The full explanation.
Genes are shared. Families are not always shareable. If you have an inherited cancer risk and a relative you cannot safely or willingly contact, you are facing a real conflict, and it has practical solutions. This page sets out what the information is, who needs it, how little of it you have to send, and who can send it for you.
Why this information does not stay with you
NCI estimates that 5% to 10% of all cancers come from inherited genetic changes. When one is found, it says something about your blood relatives too. NCI puts it directly: results "can reveal information not only about the person being tested but also about that person's blood relatives."
CDC calls the follow-on process cascade testing. It defines it as "the process of informing family members of a genetic condition discovered within the family, followed by family members getting tested for the condition."
CDC is specific about who to start with. "Your children, sisters, brothers, and parents are most likely to have the same genetic condition. Testing should start with them." Testing for adult-onset conditions is generally not done in children.
CDC offers ready-made sample letters for three conditions: hereditary breast and ovarian cancer, Lynch syndrome, and familial hypercholesterolemia.
The awkward part: the best person to test may be the one you avoid
NCI states that "it is generally recommended that, when possible, genetic counseling and testing for a hereditary cancer syndrome begin with a family member who has had cancer."
There is a reason for that. It changes what your own result means.
If a specific harmful variant is already known in your family and you do not carry it, that is a true negative. It is genuinely reassuring.
Now suppose nobody in the family has been tested. Your test finds nothing, but the family history is strong. NCI calls that an uninformative negative. It does not rule out an inherited risk. The lab may not have looked at the right gene. Or the family change may be one that current tests cannot find.
If the affected relative refuses, or contact is impossible, you can still be tested. Go in knowing that a negative result will be the weaker kind. Ask your genetic counselor to say, in plain words, what your negative would and would not rule out.
How little you actually have to send
A useful message to a relative is short and contains no personal medical history. It needs:
- The name of the gene.
- The exact variant, copied from the report.
- The name of the testing laboratory and the date.
- The name and phone number of a genetics clinic they can call.
That is enough for their own clinician to order the right test. Your diagnosis, your treatment, your prognosis, and your feelings are not required and do not have to be included.
CDC points to sample letters you can adapt instead of drafting from nothing. Ask the genetics service for theirs rather than writing one from scratch.
Nobody can force this in either direction
Your clinic will not telephone your relatives on its own. Under HIPAA, a provider may share your information with "a family member or other person involved in an individual's care or payment for care as long as the individual does not object." Only the information relevant to that role can be shared. A relative gets wider access only as a personal representative. HHS says that "generally depends on whether that person has authority under State law to act on behalf of the individual."
You can also do the opposite and direct disclosure yourself. HHS describes giving "a prior written authorization for the disclosure" that names the specific person and says where to send the information. That lets you inform one sibling without opening the file to everyone.
The refusal runs both ways. CDC says that "some people do not want to know about their risks for developing certain diseases because it will cause them too much anxiety." It advises respecting a relative who does not want the conversation. Sending the information once, clearly, is doing your part. Their decision is theirs.
When direct contact is not safe or not possible
Ask the genetics service to be the sender. CDC notes that genetic counselors and other providers can help notify family and set up testing. It also points to the National Society of Genetic Counselors directory.
Before anything is sent, tell the genetics team plainly if contact would put you at risk. That changes how, and whether, a letter goes out. It is a clinical fact about your situation, not an overshare.
Two practical rules. Send the same neutral text to everyone you decide to tell, so no branch of the family reads meaning into wording differences. And do not route the message through a child.
The discrimination question your relatives will ask
The Genetic Information Nondiscrimination Act (GINA) was enacted in 2008. NHGRI describes what it does.
For health insurance, GINA "prohibits health insurers from discrimination based on the genetic information of enrollees." Insurers cannot use it to set who is eligible, what is covered, or what you pay. They cannot require a test. This rule covers private insurers, Medicare, Medicaid, the Federal Employees Health Benefits program, and the Veterans Health Administration.
For employment, GINA "prevents employers from using genetic information in employment decisions such as hiring, firing, promotions, pay, and job assignments."
Now the gaps, which matter just as much:
- GINA "does not apply to employers with fewer than 15 employees."
- It does not cover life insurance, disability insurance, or long-term care insurance.
- The military is permitted to use genetic and medical information in employment decisions.
- State laws with stricter protections still apply, because GINA does not override them.
A relative who is worried about life insurance is worrying about a real gap. Do not tell them GINA covers it.
What the possible results mean
- Positive. The lab found a genetic change associated with increased cancer risk.
- True negative. A known family variant was looked for and was not present.
- Uninformative negative. No harmful change was found, but the family history is still strong. Risk is not ruled out.
- Variant of uncertain significance (VUS). NCI describes this as a change "for which there is not enough data available to know whether it increases the cancer risk or not." A VUS may be reclassified later as more data arrives.
Ask the lab and clinic how you will be told if a VUS is reclassified, and who is responsible for contacting you.
Counseling comes first
NCI states that genetic counseling "is generally recommended before any genetic testing for inherited cancer risk." It should be done by a trained genetic counselor. Another professional experienced in cancer genetics can also do it.
It covers how likely an inherited risk is. It covers whether testing is right for you. It covers what each possible result would mean, the effect on how you feel, and the options for lowering risk.
Clinical guidelines recommend testing after certain diagnoses. NCI lists these:
- Triple-negative breast cancer.
- Ovarian cancer.
- Pancreatic cancer.
- Colorectal cancer before age 50.
- Metastatic prostate cancer.
- Male breast cancer.
NCI also flags family patterns. These include cancer at a young age, several cancer types in one person, and several first-degree relatives with the same cancer.
Questions to write down
- Which relative would give the most informative result, and why?
- If that person cannot be tested, what would my negative result mean?
- Can the genetics clinic write and send the family letter?
- Can I authorise disclosure to one named relative only?
- What is the minimum text a relative needs to get the right test ordered?
- Who tells me if a variant of uncertain significance is reclassified?
- Which of my relatives' insurance types are not protected by GINA?
Sources
- Genetic Testing for Inherited Cancer Risk — National Cancer Institute.
- About Cascade Testing — Centers for Disease Control and Prevention.
- Genetic Discrimination and GINA — National Human Genome Research Institute.
- Under HIPAA, when can a family member access an individual's PHI? — U.S. Department of Health and Human Services.
Words to know
Tap any term to see what it means.

Common questions
How much do I have to tell a relative about my own illness?
Very little. A useful message needs the name of the gene, the exact variant copied from the report, the name of the testing laboratory and the date, and the name and phone number of a genetics clinic they can call. That is enough for their own clinician to order the right test. Your diagnosis, your treatment, your prognosis, and your feelings are not required.
Can my clinic contact my relatives, or can a relative get into my records?
Your clinic will not telephone your relatives on its own. Under HIPAA, a provider may share your information with a family member involved in your care as long as you do not object, and only the information relevant to that role. Wider access requires the person to be your personal representative, which HHS says generally depends on whether they have authority under state law to act on your behalf.
Can I tell one sibling without telling the whole family?
Yes. HHS describes giving a prior written authorization for disclosure that names the specific person and says where to send the information. Two practical rules go with it: send the same neutral text to everyone you decide to tell, so no branch of the family reads meaning into wording differences, and do not route the message through a child.
What if the relative who should be tested first refuses, or I cannot contact them?
You can still be tested, but go in knowing that a negative result will be the weaker kind. If a specific harmful variant is already known in your family and you do not carry it, that is a true negative and genuinely reassuring. If nobody has been tested and your result is negative against a strong family history, NCI calls that an uninformative negative. Ask your genetic counselor to say in plain words what your negative would and would not rule out.
Does GINA protect my relatives if they get tested?
Only partly. GINA stops health insurers using genetic information to set who is eligible, what is covered, or what you pay, and stops employers using it in hiring, firing, promotions, pay, and job assignments. But it does not apply to employers with fewer than 15 employees, and it does not cover life insurance, disability insurance, or long-term care insurance. The military is permitted to use genetic and medical information in employment decisions. A relative worried about life insurance is worrying about a real gap.
Questions to ask your doctor
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Your next step
Turn this guide into a short list for your care team.
Speak With Trained Specialists & Human Navigators
Cancer Explained provides educational guidance, but does not replace trained specialists, social workers, or your medical team.
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Where to get help with this, by name
A hospital social worker or financial navigator is the best first call if you have one. If you do not, these organisations help at no cost to you.
- Patient Advocate Foundation — (800) 532-5274. Case managers take on insurance appeals, denials and medical debt with you. Free.
- TotalAssist (Patient Advocate Foundation's copay programme, merged with the PAN Foundation in 2026) — 866-512-3861. Help with medication copays, coinsurance and deductibles, insurance premiums, and office-visit and administration charges on the day of treatment, across nearly 150 conditions.
- CancerCare — 800-813-HOPE (4673). Oncology social workers, free counselling and support groups. Limited financial help with transport, home care, child care and lodging for people in active treatment who meet their income guidelines — funding is first-come, first-served, so call to ask what is open.
- Triage Cancer — 424-258-4628. Free legal and financial navigation: insurance, employment rights, disability.
- Blood Cancer United (formerly the Leukemia & Lymphoma Society) — (800) 955-4572. Information Specialists answer questions on treatment, insurance and financial problems.
- HealthCare.gov — 1-800-318-2596. For questions about the external review process — the independent review your insurer is required by law to accept.
Your state Department of Insurance regulates insurers and takes consumer complaints. On Medicare, your State Health Insurance Assistance Program (SHIP) gives free one-to-one counselling. If a specific drug is the problem, ask the manufacturer about its patient assistance programme.
Phone numbers checked 31 July 2026. Programmes and eligibility change — if a number has moved, please tell us.
Plain-language explanation of the published sources cited on this page. AI-assisted, source-checked, not clinician-reviewed.
Sources last checked: 2026-07-22 what this meansLast updated: 2026-08-13Next planned review: 2027-07-22
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Cancer Explained does not originate medical claims. Every page restates guidance already published by the National Cancer Institute, the CDC, the USPSTF and the FDA, in plain language, with the source cited so you can check the original yourself. AI does the translating and organizing; automated checks test claims, citations, clarity and safety before anything publishes. We do not employ clinicians and do not intend to — our work is translation and navigation, not clinical judgment. Nothing here is personal medical advice, and no page can account for your particular situation.
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How this page was created
Cancer Explained does not originate medical claims. Every page restates guidance already published by the National Cancer Institute, the CDC, the USPSTF and the FDA, in plain language, with the source cited so you can check the original yourself. AI does the translating and organizing; automated checks test claims, citations, clarity and safety before anything publishes. We do not employ clinicians and do not intend to — our work is translation and navigation, not clinical judgment. Nothing here is personal medical advice, and no page can account for your particular situation.
Editorial status: Source checked — This page was written with AI assistance and checked line by line against the sources listed on it. That confirms the sources support what the page says. It is not a medical review, and it does not confirm the page is complete or right for your situation.
Human medical review: not completed. Pages here are not signed off by a clinician before they publish. That is not an oversight we are quietly working around: we restate published guidance and cite it, so the authority belongs to the source rather than to us, and every page names where its claims come from — you can verify us instead of trusting us. Where a volunteer clinician has reviewed a page, their name and credentials appear on it; where no name appears, no clinician has checked it. We are glad to have reviewers and are recruiting them, and we do not hold pages back waiting for one. Use this site to understand your situation and to ask better questions of the people treating you.
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