How To Find The Cheapest Catastrophic Health Insurance Coverage
Searching for catastrophic health insurance? Want to know where to find the best quote with a reputable insurer? Here is how to do it.
What exactly is catastrophic health insurance coverage?
Catastrophic health insurance coverage will pay for your major medical costs as well as hospital bills. It does not, however, pay for your own prescriptions or visits to your physician. This particular kind of insurance is also called major medical insurance. This kind of health insurance protection will cover your hospital visits, any surgical procedures you may have, intensive medical care charges, X-rays, essential lab tests, as well as other hospital related fees.
Catastrophic health insurance coverage is actually the most affordable of all health insurance coverage. Insurance deductibles - the amount you pay for a claim before your insurance provider will pay - start at $500 and go up to $5,000 or more. Almost all policies contain a lifetime maximum benefit, referred to as a cap, of $1 million to $3 million. As soon as you reach your cap you will no longer receive benefits and your insurance coverage will end up being terminated.
If you have a particular pre-existing health problem for example AIDS, heart disease, diabetic issues, multiple sclerosis, or emphysema, you might not be able to get a catastrophic health insurance protection plan.
Catastrophic health insurance would be a great health insurance plan if you happen to relatively healthy, take only a few or no prescribed drugs, and would like to spend less on your health insurance protection. It is also a good choice if you've retired from your job, do not have insurance coverage, and are not yet eligible for Medicare insurance.
Questions To Keep In Mind
Before you purchase a catastrophic health insurance protection plan you'll want to ask yourself:
- Just how much does the policy cost you?
- Just what will the policy cover and exactly how much is the insurance plan cap?
- Can I afford to pay doctor visits plus prescription drugs myself?
- Will I be able to pay the insurance deductible?
Obtaining Low-cost Catastrophic Health Insurance Protection
In order to get the very best rate on catastrophic health insurance coverage you have to compare prices. The easiest way to accomplish this is to go online and go to an insurance comparison website.
Once there you will be asked to fill in an easy questionnaire with your health history in addition to the kind of insurance you'd like. After you fill out the questionnaire you'll receive health insurance quotes from a variety of A-rated insurance companies all competing for your business.
When you get your quotes all you have to do is compare the quotes plus the coverages, and then choose the company that has the cheapest price as well as the very best coverage for your particular requirements.
The entire process can be performed in under 10 minutes and you could possibly save hundreds of dollars a year in insurance premiums. Time wisely spent to say the least.
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