Looking for catastrophic health insurance? Want to find out the way to get the very best rate with a reputable insurer? The following tells you the way to achieve that.
Catastrophic Health Insurance Coverage
Catastrophic health insurance coverage, also referred to as major medical insurance, is a kind of health insurance coverage which pays for major medical plus hospital costs but doesn't pay for visits to your doctor, prescription drugs, or maternity care. This kind of health insurance protection covers your hospital stays, virtually any surgical treatment you will have, intensive care expenses, X-rays, essential medical tests, as well as other hospital related charges.
Of all the different kinds of basic health insurance coverage, catastrophic health insurance is the cheapest. The deductible with these plans (the money you have to pay toward a claim before your insurance company will pay) begin at $500 and may go as high as $5,000 Virtually all policies have got a lifetime maximum benefit, called a cap, of $1 million to $3 million. As soon as you reach your cap you will no longer be given benefits and your coverage will be canceled.
Should you have a pre-existing health problem for instance AIDS, coronary disease, diabetic issues, MS, or emphysema, you might not be able to get a catastrophic health insurance policy.
Catastrophic health insurance is a great plan if you want to save a lot of money on your health insurance coverage, if you're in good health, and if you do not take a lot of prescribed drugs. It's also a good option when you've retired from your job, have no insurance coverage, and are not yet eligible for Medicare insurance.
Questions To Consider
Prior to buying a catastrophic health insurance protection plan you'll want to ask yourself:
- What's the total cost of the policy?
- Just what does the insurance policy cover and just how much is the insurance cap?
- Can I afford visits to the doctor along with prescribed drugs myself?
- Will I be able to pay the deductible?
Getting Low Priced Catastrophic Health Insurance Coverage
In order to get the cheapest rate on catastrophic health insurance protection you will need to compare rates. The easiest way to do that is to use the internet and visit an insurance comparison website.
Once there you'll be asked to complete an easy questionnaire with your health history in addition to the type of insurance coverage you'd like. Once you submit the questionnaire you will receive health insurance quotes from a variety of A-rated insurance providers all competing for your business.
As soon as you receive all of your quotes, all you need to do is compare the insurance coverages and insurance quotes from the various companies and select the cheapest quote with the company that provides the protection you will need.
The whole process can be performed in less than 10 minutes and you could save hundreds of dollars annually in insurance premiums. Time wisely spent to say the least.
Catastrophic Health Insurance Coverage
Catastrophic health insurance coverage, also referred to as major medical insurance, is a kind of health insurance coverage which pays for major medical plus hospital costs but doesn't pay for visits to your doctor, prescription drugs, or maternity care. This kind of health insurance protection covers your hospital stays, virtually any surgical treatment you will have, intensive care expenses, X-rays, essential medical tests, as well as other hospital related charges.
Of all the different kinds of basic health insurance coverage, catastrophic health insurance is the cheapest. The deductible with these plans (the money you have to pay toward a claim before your insurance company will pay) begin at $500 and may go as high as $5,000 Virtually all policies have got a lifetime maximum benefit, called a cap, of $1 million to $3 million. As soon as you reach your cap you will no longer be given benefits and your coverage will be canceled.
Should you have a pre-existing health problem for instance AIDS, coronary disease, diabetic issues, MS, or emphysema, you might not be able to get a catastrophic health insurance policy.
Catastrophic health insurance is a great plan if you want to save a lot of money on your health insurance coverage, if you're in good health, and if you do not take a lot of prescribed drugs. It's also a good option when you've retired from your job, have no insurance coverage, and are not yet eligible for Medicare insurance.
Questions To Consider
Prior to buying a catastrophic health insurance protection plan you'll want to ask yourself:
- What's the total cost of the policy?
- Just what does the insurance policy cover and just how much is the insurance cap?
- Can I afford visits to the doctor along with prescribed drugs myself?
- Will I be able to pay the deductible?
Getting Low Priced Catastrophic Health Insurance Coverage
In order to get the cheapest rate on catastrophic health insurance protection you will need to compare rates. The easiest way to do that is to use the internet and visit an insurance comparison website.
Once there you'll be asked to complete an easy questionnaire with your health history in addition to the type of insurance coverage you'd like. Once you submit the questionnaire you will receive health insurance quotes from a variety of A-rated insurance providers all competing for your business.
As soon as you receive all of your quotes, all you need to do is compare the insurance coverages and insurance quotes from the various companies and select the cheapest quote with the company that provides the protection you will need.
The whole process can be performed in less than 10 minutes and you could save hundreds of dollars annually in insurance premiums. Time wisely spent to say the least.
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