causes HD, you have to declare this when you apply. For most insurance companies this will mean that you won't be offered an insurance policy. For an exception to this see the section on 'Insurance' in the 18+ section of this website. If you apply before you have the test you still have to declare your family history but you won't be automatically denied a policy when you are at 50% or less risk. However you may have to pay higher premiums (monthly payments) because of your risk. For a more detailed explanation please check out the 'Insurance' section (to the left when you click on 18+) on this website. Fiona My mother has the HD gene (early symptoms) and i find it hard 2 live with her as she is extremely emotionally detached. I live in the western/eastern syd suburbs and wanted 2 see a psycologist? From Alex - Aged 20 Hi Alex, It can be very difficult to live with someone who has the emotional changes that HD can cause. It is a good idea to find a psychologist for support with these issues. As you may already know there is a scheme you can access through your GP called a Mental Health Care Plan. The GP can refer you to a psychologist who is registered with this plan for Medicare and you can claim a rebate from Medicare for part of the cost of the sessions (up to 6 sessions initially or up to 12 if needed).