Table of Contents Show
If you live in the U.S., chances are good that you have health insurance coverage. According to a survey by the Centers for Disease Control and Prevention, over three-quarters of Americans have health insurance (the highest rate among the nations of the world).
The United States also has some of the best access to health care in the world, with more than 10 million people able to visit doctors and get medical treatment every year thanks to a network of public and private hospitals, clinics, and other healthcare institutions. However, as many as 1 in 50 people in the U.S. also may develop cancer each year.
These patients may be faced with a difficult choice: should they continue living in an attempt to prolong their life until their cancer is cured? Or should they make the choice to end their life sooner rather than later?
What is mesothelioma?
Mesothelioma is a rare form of cancer that is caused by exposure to the mineral asbestos, which was commonly used in building materials such as roofing and siding until the mid-20th century.
Asbestos was deemed to be safe for use in the construction of buildings because it was thought to be non-toxic, but this was not the case. The mineral is now considered to be a known cancer-causing agent, and there are an estimated 35,000 people who are currently living with this disease. While mesothelioma is a rare cancer, the incidence is increasing.
The American Cancer Society estimates that around 100 new cases of the disease are diagnosed in the United As a result, more people are realizing that they have mesothelioma and are seeking treatment. However, many people who have mesothelioma are still unaware that they have the disease.
Health Insurance and Mesothelioma
Most people who have mesothelioma are diagnosed at an advanced stage, when their cancer is generally incurable. Because of this, many people with mesothelioma face a difficult choice: continue to live and hope that the cancer can be cured later, or end their life sooner.
In some cases, patients are able to make a choice to end their life sooner because they have health insurance that can cover the costs of medical care.
Health insurance can provide financial protection for people who may be diagnosed with a terminal illness, including cancer. When a person has cancer, there are many medical expenses that insurance does not cover, including travel to and from medical appointments, medical equipment and supplies, and out-of-pocket expenses, such as co-pays and deductibles.
Health Care Coverage, Rights, and Benefits
If you have health insurance, you can receive treatment for certain medical conditions, including cancer. Depending on your plan, your insurance company may cover all of your treatment or only part of it. The coverage that your health insurance company offers you may depend on your health status, the type of treatment you want to receive, and your financial situation.
To get the most out of your health insurance coverage, it is important to understand your rights and benefits. It is also crucial to understand what the limitations on coverage may be. For example, some health insurance plans do not cover long-term care, which means that you may incur nursing home costs if you become too ill to care for yourself.
Health Care Financing in the U.S.
Health care financing in the U.S. takes three different forms: publicly funded health care, privately funded health care, and consumer-directed health care.
- Publicly funded health care is governed and financed by the federal government. Publicly funded health care includes Medicare, Medicaid, and the Veterans Health Administration.
- Privately funded health care is governed and financed by the private sector, including health insurance companies, hospitals, and doctors.
- Consumer-directed health care is when individuals and/or their employers fund health care for themselves and/or their employees. This can take a number of forms, including health savings accounts, health care sharing ministries, health care navigation, and health care purchasing cooperatives.
How do health insurance companies decide who to insure?
Health insurance companies receive a large amount of information when they do business with health care providers, including hospitals and doctors. This information can help to determine how much a person should be charged for a treatment. But it can also help to determine how much health insurance coverage someone should receive.
Health insurance companies take this information and create a risk score based on information like a person’s age, health history, and medical history.
The risk score is meant to give an idea of how likely someone is to have a serious health care event in the future, like a heart attack or a period of serious illness.
How Can Health Insurance Protect Against Mesothelioma?
Health insurance can protect you from a debilitating and expensive illness, like mesothelioma. Health insurance can help to cover the costs of medical care, including medical equipment, medications, travel, and other out-of-pocket expenses.
Cancer is a serious health condition that affects many people throughout their lives. Fortunately, many types of cancer can be prevented. But, if one gets a cancer diagnosis, treatments are available that can prolong life and improve the quality of life.
Health insurance can protect you from serious health conditions, like mesothelioma. If you have health insurance and are diagnosed with this deadly cancer, you can access treatment that can potentially save your life.