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Looking for catastrophic health insurance? Want to know how to obtain the best rate with a reputable company? Here’s how …

 

Catastrophic Medical health insurance

 

Catastrophic medical insurance, also known as major health care insurance, is a type of medical health insurance that pays for major medical and hospital expenses but does not pay for visits to your doctor, prescription drugs, or maternity care. Most plans cover hospital stays, surgeries, intensive care, Xrays, and other hospital fees.

 

Catastrophic health insurance is the cheapest of all medical health insurance. Deductibles – the amount you pay for claims before your insurance company can pay – start at $500 and go up to $5,000 or more. Most plans have a lifetime obtain the most, known as a cap, of $1 million to $3 million. Once you reach your cap you can no longer receive benefits and your policy is canceled.

 

If you use a particular pre-existing condition for example AIDS, heart disease, diabetes, multiple sclerosis, or emphysema, you may not be able to obtain a catastrophic medical insurance plan.

 

Catastrophic medical health insurance might be a good medical health insurance plan for you if you’re relatively healthy, take few or no prescription drugs, and wish to save money on your medical health insurance. This course of action may also be described as a good choice if you’re retired and not yet eligible for Medicare benefits.

 

Questions to Consider

 

Before you obtain a catastrophic medical insurance plan you need to ask yourself:

 

1. How much does the master plan cost?

 

2. What does it cover and what is the lifetime maximum benefit?

 

3. Can one afford to pay for doctor visits and prescriptions drugs?

 

4. How much is the deductible and will I afford it?

 

Getting Cheap Catastrophic Medical insurance

 

In order to get the best price on catastrophic health insurance you need to compare rates. The simplest way to do that’s to go online and visit an insurance coverage comparison website.

 

Once there you’ll be asked to fill out a straightforward questionnaire with your health history and the type of insurance you want. After you fill out the questionnaire you’ll get medical health insurance quotes from a number of A-rated insurance companies.

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