Searching for catastrophic health insurance coverage? Want to find out where to get the cheapest quote with a reputable insurer? Here is how to do it.
What is catastrophic health insurance?
Catastrophic health insurance coverage covers all your major medical costs along with hospital expenses. It won't, however, pay for your personal prescriptions or visits to your health care provider. This specific kind of insurance is also called major medical health insurance. This type of health care insurance covers your hospital visits, any kind of surgery you'll have, intensive care fees, X-rays, necessary medical tests, along with other hospital related costs.
Catastrophic health insurance is the cheapest of all health insurance coverage. The deductible with one of these policies (the money you have to pay toward a claim before your insurer pays) begin at $500 and may go as high as $5,000 The majority of plans have got a lifetime maximum benefit, known as a cap, of $1 million to $3 million. As soon as you reach your cap you can no longer receive benefits and your insurance plan will be terminated.
If you've got a pre-existing health problem for example AIDS, heart related illnesses, diabetic issues, multiple sclerosis, or emphysema, you may not be able to obtain a catastrophic health insurance protection plan.
Catastrophic health insurance is a good plan should you want to save a lot of money on your health insurance, if you're in good health, and if you don't take many prescription drugs. It is also a sensible choice when you've retired from your job, have no insurance protection, and are not yet qualified to receive Medicare.
Things To Consider
You'll want to consider these questions before you purchase catastrophic health insurance coverage . . .
- Just how much does the policy cost you?
- Exactly what does it pay for and what is the actual lifetime maximum benefit?
- Am I Going To be able to purchase my prescription drugs as well as visits to the doctor?.
- Just how much is the deductible and can I afford to pay it?
How To Get The Cheapest Rate
To get the very best rate on catastrophic health insurance protection you have to compare rates. The most effective way to do that is to use the internet and visit an insurance comparison site.
Once there you're going to be asked to fill out an easy questionnaire with your health history along with the type of insurance you'd like. Once you submit the questionnaire you will receive health insurance quotes from a number of A-rated insurance providers all competing for your business.
When you get your quotes, all you need to do is compare the actual coverages and quotes from the different companies and choose the lowest priced quote with the company that provides the coverage you require.
It will take you on average 5 to 10 minutes to do this, and by virtue of the fact that you may save hundreds of dollars annually in insurance costs, I think you will find this really is time well spent.
What is catastrophic health insurance?
Catastrophic health insurance coverage covers all your major medical costs along with hospital expenses. It won't, however, pay for your personal prescriptions or visits to your health care provider. This specific kind of insurance is also called major medical health insurance. This type of health care insurance covers your hospital visits, any kind of surgery you'll have, intensive care fees, X-rays, necessary medical tests, along with other hospital related costs.
Catastrophic health insurance is the cheapest of all health insurance coverage. The deductible with one of these policies (the money you have to pay toward a claim before your insurer pays) begin at $500 and may go as high as $5,000 The majority of plans have got a lifetime maximum benefit, known as a cap, of $1 million to $3 million. As soon as you reach your cap you can no longer receive benefits and your insurance plan will be terminated.
If you've got a pre-existing health problem for example AIDS, heart related illnesses, diabetic issues, multiple sclerosis, or emphysema, you may not be able to obtain a catastrophic health insurance protection plan.
Catastrophic health insurance is a good plan should you want to save a lot of money on your health insurance, if you're in good health, and if you don't take many prescription drugs. It is also a sensible choice when you've retired from your job, have no insurance protection, and are not yet qualified to receive Medicare.
Things To Consider
You'll want to consider these questions before you purchase catastrophic health insurance coverage . . .
- Just how much does the policy cost you?
- Exactly what does it pay for and what is the actual lifetime maximum benefit?
- Am I Going To be able to purchase my prescription drugs as well as visits to the doctor?.
- Just how much is the deductible and can I afford to pay it?
How To Get The Cheapest Rate
To get the very best rate on catastrophic health insurance protection you have to compare rates. The most effective way to do that is to use the internet and visit an insurance comparison site.
Once there you're going to be asked to fill out an easy questionnaire with your health history along with the type of insurance you'd like. Once you submit the questionnaire you will receive health insurance quotes from a number of A-rated insurance providers all competing for your business.
When you get your quotes, all you need to do is compare the actual coverages and quotes from the different companies and choose the lowest priced quote with the company that provides the coverage you require.
It will take you on average 5 to 10 minutes to do this, and by virtue of the fact that you may save hundreds of dollars annually in insurance costs, I think you will find this really is time well spent.
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