Part of living with mesothelioma involves evaluating how you will pay for your treatment, and ultimately, how your family will be taken care of should you pass away. Diagnosis, treatment and, sometimes, support services can be expensive, and you may not be able to work full-time during this period, or you may even be retired.
Without insurance, it can be difficult to obtain the medical treatment of your choice, and even people who have medical insurance will need to do some financial planning so they don’t miss any necessary steps. Resolving financial issues early on in your treatment planning will lift the burden of worrying about your medical care and the well-being of your family.
If you are covered under an individual or group health plan, you should talk with your claims representative to find out what things your plan will cover. Plans can vary greatly on what types of treatment are covered, the length of hospital stays that are covered, as well as on the amount you must pay upfront before your coverage even begins. Some plans cover in-home care services, while others do not.
If you are over the age of 65 or are disabled, the Medicare program may provide some health care benefits as well. Many people on Medicare have supplemental insurance policies that cover what Medicare does not. You can inquire about your eligibility for Medicare by contacting your local Social Security Office or by calling the Medicare Hotline at 1-800-MEDICARE (1-800-633-4227). Some people on Medicare are also eligible for Medicaid. You can find out about eligibility requirements for Medicaid by contacting your state or local department of social services, or through the federal government’s Centers for Medicare and Medicaid Services website at http://www.cms.hhs.gov/
Financial compensation may also be available to mesothelioma patients and their families through claims against the manufacturers of products which contained asbestos, or against employers who knowingly exposed their employees to asbestos. It is widely understood that asbestos is the cause of mesothelioma. For more information on your legal rights, legal services available to you, and compensation that you may be eligible for, contact a mesothelioma lawyer.