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.
Mesothelioma Cancer and Asbestos ([http://www.mesothelioma-cancer-and-asbestos.com])is your source for mesothelioma and asbestos information, treatments, clinical trials, attorneys, support groups and lawyers.
About the website: Michael Kenneth is a successful Internet Publisher and has researched and written on many topics for [http://www.mesothelioma-cancer-and-asbestos.com] - your complete source for mesothelioma information, mesothelioma attorneys and lawyers, mesothelioma treatments and research, asbestos exposure and removal, asbestos attorneys and legislation as well as asbestos cancer.
On February 20, 2018, the Departments of Health and Human Services (HHS), Labor and the Treasury released a proposed rule that would increase the length of coverage for short-term health insurance plans from three months to 364 days. They proposed this rule in response to an executive order President Trump issued in October 2017 telling these departments to propose regulations or guidance that would make this type of insurance more available in order to encourage consumer choice and provider competition in the health insurance market.
“For Americans who have been priced out of Obamacare plans, who can't find a plan that will cover their doctor, or who are looking for affordable coverage between jobs, these short-term plans could make a lot of sense,” wrote Alex Azar, U.S. Secretary of Health and Human Services, in a February 23 op-ed published by CNN.
In October 2016, the Obama administration capped the duration of these plans at three months because of concerns that the plans were allowing people to skirt the healthcare law and keeping healthier people off the exchanges created under the Affordable Care Act (ACA). The Trump administration wants to remove the three-month cap in order to expand insurance options for individuals who don’t have health insurance through an employer or through the exchanges. According to the Kaiser Family Foundation, insurers have already found a way around the three-month limit by offering four-packs of three-month plans that only require the applicant to qualify once.
The proposed rule is now in a comment period that ends April 23. During this period, anyone can express their opinions about the proposal. The government will then review the comments and decide whether to enact the rule into law as is or make changes. Unlike bills that must be passed by both the House and the Senate and then be approved by the president in order to become law, agency rules easily become law after the public comment period ends. Thus, we can expect some version of this rule to become law in the next few months.
Potential Benefits of Increasing Short-Term Coverage
By increasing the maximum length of a short-term policy from three months to 364 days, people who might otherwise be uninsured may be able to purchase short-term coverage instead. These people include:
individuals who missed the Affordable Care Act’s open enrollment period and who don’t qualify for a special enrollment period
individuals who have lost their jobs and can’t afford COBRA health insurance (see What You Need to Know about COBRA Health Insurance)
individuals who are between jobs and don’t have access to employer-based insurance
students who are taking time off from school
individuals who don’t have in-network access to their preferred providers through an ACA policy
individuals who only have access to a single insurer under the ACA
individuals who can’t afford the premiums of an ACA-compliant policy
In more than half of U.S. counties, according to HHS, only a single insurer participates in the ACA market. Many insurers have left certain markets because of large financial losses. In Alaska, Iowa, Oklahoma, South Carolina, Wyoming and several other states, the entire state has only a single insurer through the exchange.
The HHS fact sheet on the proposed rule says that in the fourth quarter of 2016, a short-term, limited duration policy cost about $124 a month, while an ACA-compliant plan cost $393 a month without subsidies, a difference of $269 per month, or $3,228 per year. A Kaiser Family Foundation analysis found even bigger differences when obtaining quotes for a 40-year-old male in some cities. The least expensive short-term plan in Chicago, for example, costs just $55 per month (the most expensive, however, costs $573) while the least expensive bronze marketplace plan, without subsidies, costs $305, a difference of $250 per month. (For another premium-cutting option see How High-Deductible Health Plans Work; learn about less expensive insurance for people under age 30 in How Catastrophic Health Insurance Works.)
Potential Drawbacks of Increasing Short-Term Coverage
Short-term, limited-duration health insurance works the way all non-employer-based health insurance worked before the Affordable Care Act. Here are its potential downsides:
It can exclude applicants with preexisting conditions.
When policyholders submit claims, insurers can investigate whether the claim could be denied based on an undisclosed preexisting condition.
Insurers can decline to renew policies for people who develop a condition during the policy term.
It doesn’t have to cover all the conditions and treatments that Affordable Care Act policies must cover, such as maternity care and mental-health care. The plans will, however, be required to come with a disclaimer that they don’t meet the ACA’s consumer protection requirements.
Individuals who buy short-term policies may not understand the limitations of their coverage and may find out too late that their medical bills aren’t covered.
There are no limits on out-of-pocket cost sharing. The Kaiser Family Foundation found limits as high as $22,500 for three months of coverage in Miami, Atlanta, Chicago and Houston. ACA-compliant plans cap out-of-pocket cost sharing at $7,350 per year.
There are limits on coverage. ACA-compliant plans can’t limit annual or lifetime coverage. The Kaiser Family Foundation found that limits of $250,000 to $2 million for three months were common for short-term plans. (See Why People with Good Health Insurance Go into Medical Debt.)
Policyholders aren’t eligible for subsidies because short-term plans aren’t ACA compliant.
For 2018, short-term policyholders may have to pay tax penalties for not having minimum essential coverage. The tax penalty for not having an ACA-compliant policy starts to disappear in 2019.
Short-term policies may siphon healthy individuals away from ACA-compliant policies. This could lead to ACA policies becoming even more expensive because the ratio of sick to healthy people they cover will likely increase. Democrats have criticized short-term health plans as undermining the ACA. (See What If Obamacare Is Repealed?.)
The Bottom Line
Short-term policies can offer more choices and considerable savings to individuals who are healthy and stay healthy. They do so at a cost to individuals who carry ACA-compliant policies.
Marketplace policyholders can expect to pay higher premiums as short-term policies siphon healthy people away from the exchanges. They can also expect to see more insurers leave the ACA marketplace as it becomes increasingly expensive to cover less-healthy individuals who can only get insured through the marketplace.
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