Mesothelioma is a form of cancer which occurs in thin membranes (called the mesothelium) lining the chest, lungs, abdomen and sometimes the heart. Although quite rare, mesothelioma symptoms strike more than 200 people each year in the United States. The majority of mesothelioma cases are directly linked to asbestos exposure.
Because of the long latency period of mesothelioma, the average age of patients is between 50 and 70 years. Mesothelioma affects men most due to the high exposure of asbestos in industrial typed jobs. Mesothelioma symptoms include respiratory problems, shortness of breath, continual cough and pneumonia. Other mesothelioma symptoms include weight loss, abdominal problems and swelling. In some mesothelioma patients, the mesothelioma symptoms are quite muted, making it hard for mesothelioma doctors to diagnose.
Mesothelioma doctors specialize in the study, research, and treatments of Mesothelioma cancers.
Mesothelioma (or the cancer of the mesothelium) is a disease in which cells become abnormal and replicate without control. During Mesothelioma, these cells will invade and damage tissues and organs. Mesothelioma cancer cells can spread throughout the body causing death.
Mesothelioma treatments and Mesothelioma clinical trials and tests
There are many mesothelioma treatment options available. Treatments include surgery, radiation therapy and chemotherapy and the mesothelioma treatment depends on the patient’s age, general health and stage of the cancer. There has been much mesothelioma research conducted throughout the past two years to find new treatment methods. Click here to read more about mesothelioma treatment techniques.
Through mesothelioma research, The National Cancer Institute has sponsored mesothelioma tests and clinical trials that are designed to find new treatment methods. Because of the increase in number of mesothelioma cases in the United States, both governments have increased funding for mesothelioma research. Mesothelioma research and clinical trials have been successful in developing new techniques to fight this cancer and the outlook for more advanced mesothelioma treatments is promising.
Surgery is the most common treatment method for malignant mesothelioma. Tissues and linings affected by mesothelioma are removed by the doctor and may include the lung or even diaphragm.
A second mesothelioma treatment method is radiation therapy through the use of high energy x-rays that kill the cancer cells. Radiation therapy can be outside or inside the body.
A third mesothelioma treatment method is chemotherapy. Through pills or drugs through needles, chemotherapy drugs are used to kill cancer cells.
A new mesothelioma treatment method is called intraoperative photodynamic therapy. In this treatment, light and drugs are used to kill cancer cells during surgery for early stages of mesothelioma in the chest. Although there are numerous treatments and drugs for mesothelioma, doctors are losing the battle against this deadly disease. Most mesothelioma treatments involve old techniques combined with different drug cocktails. However, in most cases, these mesothelioma treatments have many side effects including organ damage, nausea, increase in heart failure etc. The rush to find a more effective mesothelioma treatment or even cure is ongoing at numerous clinical labs across the nation. Let's hope that the mesothelioma treatments will one day erradicate mesothelioma cancer and asbestosis.
With an abundance of information on the Internet, Mesothelioma Cancer and Asbestos ([http://www.mesothelioma-cancer-and-asbestos.com]) has consolidated the most important issues surrounding Mesothelioma, Mesothelioma doctors and symptoms, Mesothelioma treatment, Mesothelioma research and tests.
At [http://www.mesothelioma-cancer-and-asbestos.com], the website contains useful resources on Mesothelioma lawyers and attorneys, as well as causes by asbestos exposure, asbestos removal, asbestos attorneys and lawsuits, and asbestos cancer. Patients stricken by Mesothelioma and their families require support and current information. Mesothelioma Online Resources hopes to educate and give hope to survivors and victims.
Mesothelioma is such a harsh disease. Not only does it take years for symptoms to appear, but there are limited treatements and drugs that will prolong the lives of workers stricken with mesothelioma. In many cases, the death rate of mesothelioma is unfortunately very high. However, with increased funding in mesothelioma research through the government and private grants, the outlook for a mesothelioma cure is quite possible. In the meantime, mesothelioma support groups and local discussions provide the ongoing support for mesothelioma patients.
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What do individual health plans cover?
Before the ACA, individual health plans’ coverage varied widely. Insurers could deny your application for insurance or set exorbitant premiums if you had a health condition.
Now, insurers have to cover you regardless of your health history. You qualify for individual health insurance even if you're pregnant, have a long-term condition like diabetes or a serious illness, such as cancer.
Insurers also can't charge you exceedingly more because of medical conditions. Health plans additionally can't cap the amount of benefits you receive. They’re also limited on how much out-of-pocket costs you have to pay.
In addition, all individual health plans must cover a standard set of 10 essential health benefits:
Outpatient care, including doctor’s visits
Emergency room visits
Hospitalization
Pregnancy and maternity care
Mental health and substance abuse treatment
Prescription drugs
Services and devices for recovery after an injury or due to a disability or chronic condition
Lab tests
Preventive services, including health screenings, immunizations and birth control. You pay nothing out of pocket for preventive care when you see health care providers in a health plan's network.
Pediatric services, including dental and vision care for kids
Types of individual health plans
Individual health insurance plans don’t differ in terms of benefits. However, plans vary on costs, how they’re structured, which doctors accept them and which prescription drugs they cover.
Health plans in the Affordable Care Act marketplace are divided into four metal categories to make comparing them easier. The categories are based on the percentage of health care costs the plans pay and the portion you pay out of pocket. Out-of-pocket costs include deductibles, co-payments and co-insurance.
The percentages are estimates based on the amount of medical care an average person would use in a year.
Bronze - Plan pays 60% of your health care costs. You pay 40%.
Silver - Plan pays 70% of your health care costs. You pay 30%.
Gold - Plan pays 80% of your health care costs. You pay 20%.
Platinum - Plan pays 90% of your health care costs. You pay 10%.
Generally, the less you pay out-of-pocket for the deductible, co-payments and co-insurance, the more you spend in premiums. So, in this case, Platinum plans charge higher premiums than the other three plans, but you won't pay as much if you need healthcare services. Bronze, meanwhile, has the lowest premiums but the highest out-of-pocket costs.
When deciding on the level, consider the healthcare services you used over the past year and what you expect for next year. For instance, if you plan on starting a family, consider how much out-of-pocket costs you'll have to pay if you go with a Bronze plan.
eHealth reported the average monthly premium by metal level:
Bronze -- $440
Silver -- $481
Gold -- $596
Platinum -- $706
Bronze and Silver are the most popular plans. Not many people have Platinum plans.
When choosing an individual health plan, you’ll also want to consider the type of plan design. Health maintenance organization (HMO) plans are the most common plan design in the individual market. eHealth estimated that 56% of individual plans are HMOs.
HMOs include restricted provider networks. HMO members can only see doctors and get care from facilities in those networks. Also, you need a primary care provider referral to see a specialist.
Preferred provider organization (PPO) plans are the most common type of plan in the employer-sponsored health insurance market. Forty-four percent of employer-sponsored health plan members have a PPO. However, only 15% of individual health insurance plans are PPOs.
PPOs are more flexible. You’re able to see doctors both in your network and outside the network. You don’t have to get referrals to see specialists. However, PPOs have much higher premiums than HMOs, so you pay more for that flexibility.
Find out the differences between HMOs, PPOs and other types of health plans.
Individual health insurance subsidies
People who buy an individual health plan through the ACA exchanges may be eligible for subsidies that reduce the cost of premiums.
The ACA allows tax credits for anyone with an exchange plan whose income is below 400% of the federal poverty level and subsidies to offset premiums for people whose income is below 250% of the federal poverty level.
For 2020 health plans, the 400% threshold is $49,960 for a single person. Here are more examples:
Household of 2 -- income less than $67,640
Household of 3 -- income less than $85,320
Household of 4 -- income less than $103,000
Household of 5 -- income less than $120,680
The 250% threshold is $31,225 for a single person and $64,375 for a family of four.
When you search for a plan through the exchanges, the site will provide cost estimates for plans with subsidies in mind.
Reminder: People with an individual health plan outside of the exchanges aren’t eligible for subsidies.
Other options for people looking for health coverage
Individual health insurance is an option, but there are other ways for a person to get coverage:
● Short-term plans -- These plans don’t offer the same benefits as a normal health insurance plan. Insurers aren’t required to provide comprehensive benefits. Most short-term health plans don’t cover maternity, prescription drugs and mental health. Instead, you’ll have to pay for that care yourself. Short-term plans aren’t meant as a long-term health insurance solution. You can only have them for one year and can request two extensions. These plans are low-cost, but they have limited benefits. A handful of states don't allow short-term plans, while others restrict them to shorter time frames.
● Medicaid -- Medicaid is available to people who qualify. Thirty-six states expanded Medicaid, which allows people who make up to 138% of the federal poverty level eligible for Medicaid. That level is $17,609 for a single person, $23,791 for two people and $36,156 for a family of four. The costs of Medicaid plans depend on your income, but you’ll pay less for Medicaid than an employer or individual plan, if you qualify. Medicaid offers comprehensive health insurance despite the lower costs.
● Catastrophic health plans -- If you’re under 30 or meet income requirements, you could qualify for a catastrophic health plan. These plans offer lower premiums but come with much higher deductibles and out-of-pocket costs. The plans cover young and people with low-income who couldn’t afford a regular health insurance plan. The idea behind catastrophic plans is to give them coverage to prevent financial ruin if they have emergency health care needs. Unlike short-term health plans, which don’t cover many services, catastrophic plans usually pay for preventative services. However, catastrophic plans may not cover some preventative services and could limit your doctor visits.
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