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.
All You Wanted to Know About Health Insurance Portability
Rajesh wasn’t too happy with his health insurance company, which had rejected his genuine claim last year. Now, the health insurance was up for renewal in some month’s time and he was looking at cancelling the policy and purchasing a better one but he was worried about the lost credit of waiting periods and pre-existing exclusions. When I met him over a cup of tea one afternoon, he shared his dilemma and when I told him about health insurance portability, I could see a gleam in his eyes and he was all ears on how to go about it.
Rajesh is one of the several hundreds or thousands who see the renewal premium notice each year and get into confusion whether to cancel or renew the policy, reason being not happy with the service or claims experience. In this post, let us understand the finer nuances of health insurance portability and how you can make the best use of it.
Meaning of health insurance portability
IRDAI is the regulatory body for insurance in India. As per its Guidelines on Standardisation of Health Insurance released on Feb 20, 2013, and as amended on July 03, 2013, portability has been defined as: “Portability means transfer by an individual health insurance policyholder (including family cover) of the credit gained for pre-existing conditions and time-bound exclusions if he/she chooses to switch from one insurer to another”
In 2013 itself, IRDA released a very comprehensive and customer friendly health insurance regulations wherein it was made mandatory that all health insurance policies in India will be portable. Schedule I of the regulations provides for the detailed process along with timelines to be followed by all parties: insured, existing insurer and new insurer, to carry out the activity. According to health insurance regulations, following health insurance policies will qualify for portability:
All individual health insurance policies issued by non-life insurance companies, including family floater policies
Individual members, including the family members covered under group health insurance policy of a non-life insurance company can migrate to individual health insurance policy of the same insurer and then exercise right to portability as stated above. When a person buys a health insurance policy and is not very happy with it, the biggest worry before dumping it in favour of buying another policy is the loss of credit for waiting periods and pre-existing related exclusions. So, what does portability mean? Similar to mobile number portability where you could port (or say shift or transfer) your mobile number to another provider without causing hassle with regards to change in your number, similarly you can shift your health insurance policy to another insurer ALONG WITH the credit for the waiting periods and pre-existing related exclusions.
Process of health insurance portability
First and foremost: you can apply for portability of your health insurance plan BEFORE 45 days of your renewal due date. If you breach this timeline, the insurer whom you want to port your policy to, may at its discretion, decline your application. So, once you’ve decided on porting your insurance policy to new insurer within time frame, the process is as follows:
You have to fill the standard portability application form along with the proposal form for the new policy which you can download from new insurer’s website or get from one of its branches
Submit both the forms to the new insurer’s branch office.
The new insurer will review the form and seek details of claim history and medical records from your existing insurer (this will be done through the IRDA’s web portal)
The existing insurer will provide the requested data to new insurer within 7 working days of receipt (note: if the existing insurer takes more time, it will be qualified as a violation of Insurance Act)
On receipt of medical and claim details, new insurer will review the proposal as per its underwriting terms and communicate its decision to you. Note that new insurer has a right to even decline your case, if it does not fit new insurer’s underwriting guidelines.
Also, if new insurer does not give a decision within 15 days, it cannot later reject the application.
How does the credit for waiting periods get transferred?
So, now that you have made up your mind to get this portability thing closed, but how will the credit for waiting periods exclusions get transferred? Let us understand this with the help of an example.
Suppose you have a policy with insurer A and wish to port it to insurer B. As the policy terms and conditions, the policy A has a 2 year waiting period for cataract and 4 year waiting period of pre-existing condition. As regards policy B, it also has a 2 year waiting period for cataract but a reduced 3 year waiting period of pre-existing condition.
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