Editing Insurance Coverage Overview (section)

== Key Facts: Health Insurance and Mesothelioma Financial Protection ==

{| class="wikitable" style="width:100%; margin:1em 0; border-collapse:collapse;"
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! style="background:#1a5276; color:white; padding:12px; text-align:left; width:30%;" | Category
! style="background:#1a5276; color:white; padding:12px; text-align:left; width:70%;" | Key Information
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| style="padding:12px; font-weight:bold; background:#e8f4f8;" | First-Year Treatment Costs
| style="padding:12px; background:#e8f4f8;" | $400,000+ average for multimodal mesothelioma therapy including surgery, chemotherapy, and immunotherapy
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| style="padding:12px; font-weight:bold;" | Medicare Coverage
| style="padding:12px;" | 80% of approved treatments after deductibles, with average $8,000 annual out-of-pocket costs
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| style="padding:12px; font-weight:bold; background:#e8f4f8;" | Private Insurance Maximums
| style="padding:12px; background:#e8f4f8;" | $9,200-$18,400 out-of-pocket limits in 2025, depending on plan type
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| style="padding:12px; font-weight:bold;" | Initial Denial Rate
| style="padding:12px;" | 44-60% of mesothelioma treatment claims denied initially; proper appeals succeed in majority of cases
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| style="padding:12px; font-weight:bold; background:#e8f4f8;" | Immunotherapy Costs
| style="padding:12px; background:#e8f4f8;" | $150,000+ annually for drugs like Keytruda and Opdivo without assistance programs
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| style="padding:12px; font-weight:bold;" | Trust Fund Availability
| style="padding:12px;" | $30+ billion across 60+ active asbestos trust funds available regardless of insurance status
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| style="padding:12px; font-weight:bold; background:#e8f4f8;" | Average Settlement
| style="padding:12px; background:#e8f4f8;" | $1-1.4 million for mesothelioma cases, structured to preserve insurance benefits
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| style="padding:12px; font-weight:bold;" | Prior Authorization Delays
| style="padding:12px;" | 27 days average to approve specialized treatments, impacting time-sensitive care
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| style="padding:12px; font-weight:bold; background:#e8f4f8;" | VA Coverage
| style="padding:12px; background:#e8f4f8;" | 100% treatment coverage for service-connected mesothelioma with no deductibles or copays
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| style="padding:12px; font-weight:bold;" | Medicare Appeals
| style="padding:12px;" | Five levels of appeals available, with external review options for private insurance
|}

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