Healthcare And Insurance Options
The type of Treatment a mesothelioma patient receives often depends on the kind of insurance the patient has. Mesothelioma patients have options for both private and public insurance. Private insurance is the insurance that is included with a person’s individual healthcare or their employer. Public insurance includes Medicaid, Medicare and state insurance pools. When obtaining private insurance, the insurance company takes several factors into consideration, such as age, gender, employment, general health and a family health history.
Any patient without healthcare beginning in 2014 is entitled insurance since insurance companies are no longer allowed to reject a person with a preexisting condition.
Health insurance is categorized as group insurance or individual insurance. Group plans are mainly applicable to those who have health insurance through employment. The company negotiates with the insurance company for a plan to cover all its employees. Individual insurance only covers the one person.
6 options for Healthcare for Mesothelioma
Healthcare through the Employer
These type of healthcare plans are usually favored because the insurance company cannot consider the health of an employee in regards to medical coverage. The employer purchased a plan on behalf of the employees and they all fall under that plan.
State Health Insurance Pools
This is a plan that helps an individual seek coverage after they have been diagnosed. Since they now are labeled as having a pre-existing condition, insurance has typically been hard to find. The insurance pools can be found by state online.
Both of these programs are set up to aid senior citizens as well as those who are unable to afford healthcare. Because mesothelioma mostly affects older people, it is very likely that most who develop the disease will qualify for Medicare benefits.
The Consolidated Omnibus Reconciliation Act (COBRA)
COBRA is a legal protection for people who are unable to work because of a serious illness. When a person is no longer able to work, they usually lose their employer healthcare. COBRA aids the patient in being able to keep their insurance.
Other protections for people who get very ill include. Family and Medical Leave Act, Americans with Disabilities Act, and the Affordable Care Act. These laws protect both patients and families from being treated unfairly in the workplace and it provides more access to better treatment.
Obamacare and Mesothelioma Patients
Obamacare provides health coverage options to those patients who have been unable to gain insurance because they had previously been diagnosed with mesothelioma. Under Obamacare, it is illegal for a health insurance company to refuse anyone with a pre-existing condition such as mesothelioma.
Private Individual Insurance
Private insurance does not usually cover treatments or prescriptions that are associated with cancer. HMO and PPO plans will often limit a person’s choice as to what specialist they can see or what healthcare they can receive.
Approximately 20 percent of all mesothelioma patients are uninsured and the medical bills range from 150,000 to 1 million dollars. If a patient is uninsured, they have to pay the expenses themselves.
Clinical trials are another option for mesothelioma patients. If they qualify for the study, the treatment is often free and many researchers will pay for travel and accommodations. Although some complications can come from a clinical trial, many others have been treated successfully.