People who have been diagnosed with malignant mesothelioma have a lot on their plate. Once they have been informed of their condition they have to deal with the emotional realities of a fast-moving terminal prognosis, the costs of treating a disease that requires highly specialized care, concerns about their family’s economic wellbeing, and much more. Now that the Senate is considering passage of a new healthcare bill, they have one more issue added to their plate: the very real worry that if the bill is passed, their healthcare costs could rise substantially as protections for those with preexisting conditions could end up being stripped away.
Though advocates of the Senate bill insist that those who have preexisting conditions like a mesothelioma diagnosis are still guaranteed coverage, there are a number of health care and health advocacy organizations who have indicated that the new bill will allow some states a great deal of flexibility in their offerings, enabling them to charge significantly higher premiums to those who are sick or have serious medical conditions. According to the Brookings Institute, those same states will also be able to impose annual and/or lifetime limits on coverage that would quickly be exhausted by mesothelioma’s extremely expensive care costs.
A close analysis of the Senate bill’s language reveals that insurance companies will be able to place those with preexisting conditions into segregated markets that have higher costs than those who are healthy. This can lead to financial devastation. The American Cancer Society has reviewed the bill and says, “If a state decides that prescription drugs are no longer an essential health benefit, a plan could cap the amount it covers for cancer drugs at all – leaving patients to pay the entire bill.” The thought of a mesothelioma patient having to shoulder the cost of their chemotherapy drugs, as well as all of the other medications that provide relief from symptoms and pain, is enough to send a shudder down the spine of anybody who has already been victimized by this disease.
With the very real possibility that the bill will pass, mesothelioma victims are urged to act quickly on their own behalf. If insurance will not cover medical costs in the future it becomes even more important that you have legal representation that can provide you with the compensation you need to pay your bills. Contact us today at 1-800-966-2244 to be put in touch with an experienced mesothelioma lawyer who can provide you with the information you need and who can protect your rights.