Searching for catastrophic health insurance? Want to know how to get the very best price with a reputable company? Here is how to do it.
What exactly is catastrophic health insurance?
Catastrophic health insurance, also referred to as major medical insurance coverage, is a form of health insurance protection that pays for major medical plus hospital fees but will not pay for visits to your doctor, prescription medications, or maternity care. This kind of health insurance coverage will cover your hospital stays, any kind of surgery you may have, intensive medical care fees, X-rays, necessary lab tests, along with other hospital related fees.
Of all the different types of standard health insurance, catastrophic health insurance coverage is the least expensive. Insurance deductibles - the amount you pay for an insurance claim before your insurance company will pay - begin at $500 and go up to $5,000 . Most plans have a lifetime maximum benefit, known as a cap, of $1 million to $3 million. As soon as you reach your cap you'll no longer receive benefits and your coverage will be canceled.
Catastrophic health insurance is a good plan if you want to save a lot of money on your health insurance coverage, if you're in good health, and if you don't take a lot of prescribed drugs. It is also a good option when you've retired from your job, don't have any insurance, and are not yet qualified for Medicare insurance.
Things To Consider
Make sure you consider these basic questions before you purchase catastrophic health insurance coverage . . .
- How much will the plan cost you?
- Just what does the policy cover and how much is the insurance policy cap?
- Can I afford doctor visits as well as prescribed drugs myself?
- Am I Going To be able to pay for the deductible?
Getting The Cheapest Rate
You will have to compare quotes from a number of different insurance providers to receive the best rate quote, and the fastest and simplest way to accomplish this will be to visit an insurance comparison website.
Once there you're going to be required to fill out a simple questionnaire with your health history plus the type of insurance coverage you'd like. As soon as you fill in the questionnaire you will receive health insurance quotes from a number of A-rated insurance companies all vying for your business.
Once you receive your quotes all you need to do is compare the quotes and the coverages, then pick the company that has the best rate along with the very best insurance protection for your specific needs.
The entire process can be accomplished in under 10 minutes and you could very well save hundreds of dollars a year in insurance premiums. Time well spent to say the least.
What exactly is catastrophic health insurance?
Catastrophic health insurance, also referred to as major medical insurance coverage, is a form of health insurance protection that pays for major medical plus hospital fees but will not pay for visits to your doctor, prescription medications, or maternity care. This kind of health insurance coverage will cover your hospital stays, any kind of surgery you may have, intensive medical care fees, X-rays, necessary lab tests, along with other hospital related fees.
Of all the different types of standard health insurance, catastrophic health insurance coverage is the least expensive. Insurance deductibles - the amount you pay for an insurance claim before your insurance company will pay - begin at $500 and go up to $5,000 . Most plans have a lifetime maximum benefit, known as a cap, of $1 million to $3 million. As soon as you reach your cap you'll no longer receive benefits and your coverage will be canceled.
Catastrophic health insurance is a good plan if you want to save a lot of money on your health insurance coverage, if you're in good health, and if you don't take a lot of prescribed drugs. It is also a good option when you've retired from your job, don't have any insurance, and are not yet qualified for Medicare insurance.
Things To Consider
Make sure you consider these basic questions before you purchase catastrophic health insurance coverage . . .
- How much will the plan cost you?
- Just what does the policy cover and how much is the insurance policy cap?
- Can I afford doctor visits as well as prescribed drugs myself?
- Am I Going To be able to pay for the deductible?
Getting The Cheapest Rate
You will have to compare quotes from a number of different insurance providers to receive the best rate quote, and the fastest and simplest way to accomplish this will be to visit an insurance comparison website.
Once there you're going to be required to fill out a simple questionnaire with your health history plus the type of insurance coverage you'd like. As soon as you fill in the questionnaire you will receive health insurance quotes from a number of A-rated insurance companies all vying for your business.
Once you receive your quotes all you need to do is compare the quotes and the coverages, then pick the company that has the best rate along with the very best insurance protection for your specific needs.
The entire process can be accomplished in under 10 minutes and you could very well save hundreds of dollars a year in insurance premiums. Time well spent to say the least.
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