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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.

Navigating health insurance coverage is a monumental task. There is something different about healthcare that creates an agency problem among the many different participants in the system, the most striking being that the consumer has no say in what services are rendered, what services are covered and how much he or she will ultimately be responsible for paying. It is not an uncommon scenario that a doctor requests a service, the patient follows the doctor's orders, insurance either pays only a portion or none at all and the patient is left holding the bag – and the bill. SEE: 20 Ways To Save On Medical Bills Another common scenario is a patient who calls his or her doctor to ask for the price of a particular test or treatment, only to be told the price is unknown. Or who calls his or her health insurer to ask what's the customary fee for a service – to determine how much of it will be covered – only to be told "it depends." No one would go into the local electronics store and buy a TV without being told the price – but in medical care, this is basically what patients are expected to do. To be fair, the health insurance companies, traditionally known as a sort of gatekeeper to healthcare, have recognized this and in recent years have tried to improve price transparency. Despite these efforts, there are many pitfalls associated with health insurance coverage and learning how to navigate around these should make for a more educated healthcare consumer. Medicare - The Roadmap Medicare provides the most insight into covered benefits for consumers. The Medicare system is a federally run health insurance system granted primarily to U.S. citizens age 65 and older. In general, the basis for all health insurance benefit design is the Medicare system. Many commercial health insurance model basic plan benefits after those benefits granted to Medicare recipients. The focus is on health and wellness rather than sickness; annual physical exams are not fully covered by Medicare and treatment for severe ailments also usually requires a co-pay or co-insurance payment. After the basic plan design is set, other benefits are added depending on the plan's sponsor's (such as an employer) requirements. To understand the basics of what is covered under the Medicare plan, you can visit the medicare.com website. Medicare is not an "early adopter" system; therefore, most new technologies are typically not covered at all, or as robustly as other, more time-tested technologies. An example is drug eluting stents versus bare metal stents in cardiac procedures or ceramic hip replacements versus traditional metal. It is much easier to obtain coverage for proven procedures rather than those which could potentially be deemed as "test procedures." Similarly, covered lab tests are often lagging the newest technology; an example is the thinprep pap test. Services Usually Not Covered Although each benefit plan is different, depending on the sponsor's needs, and depending on state regulations (each state has its own insurance commissioner), there are services that are typically not covered by most plans. Beauty Costs Many services that improve the exterior appearance of a person, such as plastic surgery and some dermatological procedures, are often not covered by typical plans. Interestingly, because consumers elect to have these procedures, there is great price transparency for them. If a consumer wants laser hair removal, he can call any number of providers and each one will be able to immediately quote a price. Fertility Treatments These costs are not usually covered by health insurance, although health insurers are required to pay for all the testing required to make a diagnosis. However, this is one of the treatment areas that differ among states. Off Label Prescription drugs are tested and approved for specific disorders, such as autoimmune diseases. At times, these drugs can be prescribed for disorders not listed on the "label." In some cases, the insurance company may reject paying for these off-label uses. New Technology in Products or Services Covering these costs often happens slowly, particularly if the technology does not demonstrate added benefit for the added costs. Medical companies are tasked with proving that a new drug, product or test provides a measurable benefit to the consumer such that the cost will improve mortality or morbidity rates. Since Medicare is not an early adopter of new technology, other insurance plans generally follow suit and wait for more data before including it in the covered benefits. Recourse Although there are services not typically covered, there are "special cases" where insurance companies do make exceptions and cover these services. However, in many instances where services are not covered, there are several other courses of action that consumers can take. In cases where a new technology provides additional benefits vs. the older technology, consumers try several things to get the insurance company to pay. Many insurance companies require doctors to "prove" why the costlier procedure or product is more beneficial. Additionally, often an insurance company may pay a specific amount for a procedure and the patient can pay the difference to get the new technology – in other words, partial coverage is available. The first step in this process is to discuss the coverage with the insurance company, determine what will be covered, and have an agreement with the physician for the total cost and what will be required to be paid by you. Many new drugs or services introduced in the market undergo trials to test additional benefits or uses. Consumers can try to get into one of the trials and get the service or product as part of the trial. However, although each trial is designed differently, many have a group of participants that receive a "placebo," a fake treatment, so you are not guaranteed the drug or service. Your physician should be able to help you learn of any trials available as the FDA requires the listing of drug trials (clinical trials.gov). Health insurance companies provide the option of insured persons to purchase a rider, an added policy feature, for a specific covered benefit. However, these riders can be costly and may not be able to be purchased for all treatments. Covered persons can contest a denial by an insurance company. Each insurance company is required to provide an insured person with the procedure required to appeal. In addition, if the appeals process results in another denial, the insured consumer can appeal to the state insurance commissioner for a review of the case. The process can be somewhat lengthy, but is often without cost to the insured person. Other Insurance Pitfalls Some doctors' offices will help consumers navigate through the insurance maze to determine coverage. However, as the consumer, it is recommended that you speak directly with the insurance company to validate that the procedure is covered. Despite this recommendation, insurance companies will sometimes not speak with the member, and only with the physician's office, a rather frustrating experience. However, persistence generally pays off. There are many other pitfalls of insurance coverage consumers need to be aware of. Some of the most common are: Pre-approval is one area of importance to pay attention to, as many insurance plans require it for particular procedures. In-network vs. out of network: Many insurance plans are designed with in-network doctors and facilities. These in-network providers often have a contract negotiated with the insurance company to pay an agreed-upon price for various services. Ensure that all components for a procedure are covered. For example, check that not only a surgeon and the hospital are in network, but also the anesthesiologist. Make sure the tests are sent to an in-network or preferred lab. The cost and coverage of prescription drugs vary, depending on a plan's formulary. The formulary, typically found on a health insurer's website, details cheaper drugs via tier 1 vs. tier 3, substitutes, or generic versions of the drugs. Also some specialty drugs, such as injectable drugs, may require additional pre-approval before the insurance company will pay for them. The Bottom Line Understanding and working within the guidelines of health insurance is complex. Many companies provide members with access to a vast amount of information on secure websites. This information can help members select a doctor or facility, review the drug formulary, and learn other interesting information. But to understand what is a covered benefit, having a live discussion with an insurance representative is the best course of action. As more and more of the health care costs are being pushed to the member, more and more of the "shopping" decision should also be made by the member.

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