If you're searching for catastrophic health insurance coverage, your goal is to get the best price you possibly can with a top-rated company. Here's the simplest way to do it.
What's catastrophic health insurance?
Catastrophic health insurance coverage, sometimes called major medical insurance coverage, is a form of health insurance coverage that covers major medical and hospital expenses but does not take care of visits to your health care professional, prescription drugs, or maternity care. Nearly all plans cover hospital stays, surgeries, intensive health care, Xrays, together with other hospital charges.
Of all the different kinds of standard health care insurance, catastrophic health insurance is the least expensive. Deductibles - the amount you pay for an insurance claim before your insurer must pay - start at $500 and go up to $5,000 or more. This type of insurance has got a cap, or lifetime benefit, of $1 million to $3 million, after which your benefits and also your insurance plan are immediately terminated.
Should you have a pre-existing health problem like AIDS, cardiovascular disease, diabetic issues, MS, or emphysema, you may not be able to receive a catastrophic health insurance policy.
Catastrophic health insurance is a great plan should you want to save a lot of money on your insurance coverage, if you are in good health, and if you do not take many prescription drugs. This plan might also be a good choice when you are retired and not yet entitled to Medicare .
Things To Consider
You'll want to ask yourself the following questions before you buy catastrophic health insurance coverage . . .
- What's the total price of the insurance policy?
- Exactly what does it cover and what is the actual lifetime maximum benefit?
- Can I afford visits to the doctor in addition to prescription drugs myself?
- Am I Going To be able to pay the deductible?
How To Get The Very Best Rate
You'll need to compare quotes from a number of different insurers to be able to receive the best rate quote, and the quickest and simplest way to accomplish this is to visit an insurance comparison website.
On these sites you'll be required to enter in your health information and the kind of insurance you want on a simplified questionnaire. When you submit the questionnaire, you will get price quotes from a number of A-rated insurance providers.
After you receive your insurance quotes, all you need to do is compare the actual insurance coverages and insurance quotes from the various providers and choose the lowest priced quote with the company that has the coverage you'll need.
The whole process can be performed in under 10 minutes and you could save hundreds of dollars a year in premiums. Time wisely spent to say the least.
What's catastrophic health insurance?
Catastrophic health insurance coverage, sometimes called major medical insurance coverage, is a form of health insurance coverage that covers major medical and hospital expenses but does not take care of visits to your health care professional, prescription drugs, or maternity care. Nearly all plans cover hospital stays, surgeries, intensive health care, Xrays, together with other hospital charges.
Of all the different kinds of standard health care insurance, catastrophic health insurance is the least expensive. Deductibles - the amount you pay for an insurance claim before your insurer must pay - start at $500 and go up to $5,000 or more. This type of insurance has got a cap, or lifetime benefit, of $1 million to $3 million, after which your benefits and also your insurance plan are immediately terminated.
Should you have a pre-existing health problem like AIDS, cardiovascular disease, diabetic issues, MS, or emphysema, you may not be able to receive a catastrophic health insurance policy.
Catastrophic health insurance is a great plan should you want to save a lot of money on your insurance coverage, if you are in good health, and if you do not take many prescription drugs. This plan might also be a good choice when you are retired and not yet entitled to Medicare .
Things To Consider
You'll want to ask yourself the following questions before you buy catastrophic health insurance coverage . . .
- What's the total price of the insurance policy?
- Exactly what does it cover and what is the actual lifetime maximum benefit?
- Can I afford visits to the doctor in addition to prescription drugs myself?
- Am I Going To be able to pay the deductible?
How To Get The Very Best Rate
You'll need to compare quotes from a number of different insurers to be able to receive the best rate quote, and the quickest and simplest way to accomplish this is to visit an insurance comparison website.
On these sites you'll be required to enter in your health information and the kind of insurance you want on a simplified questionnaire. When you submit the questionnaire, you will get price quotes from a number of A-rated insurance providers.
After you receive your insurance quotes, all you need to do is compare the actual insurance coverages and insurance quotes from the various providers and choose the lowest priced quote with the company that has the coverage you'll need.
The whole process can be performed in under 10 minutes and you could save hundreds of dollars a year in premiums. Time wisely spent to say the least.
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