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Tuesday, June 3, 2008

Mesothelioma

What is mesothelioma?

Mesothelioma is caused by exposure to asbestos and symptoms may not appear for as long as 20 to 40 years after exposure. Mesothelioma is a cancerous tumor of the mesothelium. The mesothelium is the tissue made up of specialized cells called mesothelial cells which line the chest cavity, abdominal cavity, and the cavity around the heart. These cells also cover the outer surface of most internal organs.

The mesothelium produces a special lubricating fluid that allows organs to move around within the body with less friction. For example, this fluid makes it easier for the lungs to move inside the chest during breathing.

The mesothelium of the chest is known as the pleura. The mesothelium of the abdomen is called the peritoneum. The mesothelium of the pericardial cavity, which is the space around the heart, is called the pericardium.

Mesothelioma is a cancer that attacks any of these mesothelial regions.

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Why is Health Insurance Important?

People buy health insurance for different reasons. The following are ten of these reasons. Please look them over and consider which reasons apply to you and which do not. This will help you to evaluate what type of health insurance will best meet your personal needs.

  1. Health insurance can protect you from the risk of uncertain bills for health care.

  2. Without health insurance, you may not be able to afford expensive services.

  3. Health insurance can pay for services that you use often.

  4. Health insurance can help you to get better quality care as a member of a coordinated health plan than you would get on your own.

  5. With health insurance, you do not have to worry about the cost of care when you are sick.

  6. The additional money provided by health insurance when you are sick may be more valuable to you than money when you are well.

  7. If you have more dependents than most people, then you may get more out of a family policy for health insurance.

  8. If you or your dependents have more health care needs than most people and you only pay an average premium, then you get more from health insurance than most people.

  9. You do not pay income tax on health insurance benefits so it is more valuable per dollar than the same amount in taxable pay.

  10. Health insurance companies generally pay lower prices to doctors and hospitals than you would pay on your own.
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Auto Insurance Basics


By Freelance Writer for Insure.com

Auto insurance protects you, and others, from financial ruin in the event of an auto accident. It also comes to the rescue if your car is vandalized, catches on fire or is stolen.

And beyond protecting you financially, auto insurance is a social responsibility. Those who drive without insurance, and without the ability to pay for damages they cause, put the rest of us at great financial risk.

That's why all states (except New Hampshire and Wisconsin) require drivers to carry liability insurance. And even in New Hampshire and Wisconsin, if you choose not to carry insurance you must show that you have enough assets to pay for damages in the event of an accident. A basic auto insurance policy contains six types of coverage. Depending on where you live, some coverages are required and some are optional. (See Mimimum levels of required auto insurance for details.)

Auto insurance is comprised of:

1. Bodily injury liability

2. Property damage liability

3. Medical payments or Personal Injury Protection (PIP)

4. Collision

5. Comprehensive

6. Uninsured/Underinsured motorists coverage


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