If you are in the market for catastrophic health insurance coverage, you want to get the cheapest quote you can with a top-rated insurer. The following explains just how to accomplish this.
Catastrophic Health Insurance
Catastrophic health insurance coverage will cover all of your major medical bills and hospital charges. It does not, however, pay for your prescriptions or visits to your medical doctor. This particular type of insurance is also referred to as major medical health insurance. This particular health care insurance pays for your hospital visits, virtually any surgical procedure you might have, intensive medical care expenses, X-rays, required medical tests, as well as other hospital related expenses.
Catastrophic health insurance coverage is actually the least expensive of all health insurance. The deductible with one of these policies (the money you pay toward a claim before your insurer pays) begin at $500 and may go up to $5,000 Most plans have got a lifetime maximum benefit, called a cap, of $1 million to $3 million. When you finally reach your cap you will no longer be given benefits and your insurance plan will end up being terminated.
If you have a particular pre-existing health problem such as AIDS, heart related illnesses, diabetes, MS, or emphysema, you might not be able to get a catastrophic health insurance protection plan.
Catastrophic health insurance is a good plan if you want to save a lot of money on your health insurance coverage, if you are in good health, and if you don't take many prescribed drugs. This plan could also be a good choice when you're retired and not yet entitled to Medicare health insurance .
Questions To Think About
You should consider these basic questions before you purchase catastrophic health insurance . . .
- How much does the policy cost?
- What specifically will the insurance plan pay for and how much is the insurance cap?
- Am I Going To have the ability to pay for my prescription drugs and any doctor visits?.
- How much is the deductible and can I afford to pay for it?
The Way To Get The Very Best Rate
You will have to compare rates from a number of different insurers to be able to obtain the best rate quote, and the fastest and simplest way to accomplish this is to visit an insurance comparison site.
Once there you're going to be required to fill out a simple questionnaire with your health history as well as the kind of insurance you need. After you fill out the questionnaire you will receive health insurance quotes from a variety of A-rated insurance providers all vying for your business.
After you get your quotes all you have to do is compare your quotes as well as the coverages, and then select the company that has the very best price and the best insurance protection for your particular needs.
The whole process can be done in less than 10 minutes and you could very well save hundreds of dollars annually in insurance premiums. Time well spent to say the least.
Catastrophic Health Insurance
Catastrophic health insurance coverage will cover all of your major medical bills and hospital charges. It does not, however, pay for your prescriptions or visits to your medical doctor. This particular type of insurance is also referred to as major medical health insurance. This particular health care insurance pays for your hospital visits, virtually any surgical procedure you might have, intensive medical care expenses, X-rays, required medical tests, as well as other hospital related expenses.
Catastrophic health insurance coverage is actually the least expensive of all health insurance. The deductible with one of these policies (the money you pay toward a claim before your insurer pays) begin at $500 and may go up to $5,000 Most plans have got a lifetime maximum benefit, called a cap, of $1 million to $3 million. When you finally reach your cap you will no longer be given benefits and your insurance plan will end up being terminated.
If you have a particular pre-existing health problem such as AIDS, heart related illnesses, diabetes, MS, or emphysema, you might not be able to get a catastrophic health insurance protection plan.
Catastrophic health insurance is a good plan if you want to save a lot of money on your health insurance coverage, if you are in good health, and if you don't take many prescribed drugs. This plan could also be a good choice when you're retired and not yet entitled to Medicare health insurance .
Questions To Think About
You should consider these basic questions before you purchase catastrophic health insurance . . .
- How much does the policy cost?
- What specifically will the insurance plan pay for and how much is the insurance cap?
- Am I Going To have the ability to pay for my prescription drugs and any doctor visits?.
- How much is the deductible and can I afford to pay for it?
The Way To Get The Very Best Rate
You will have to compare rates from a number of different insurers to be able to obtain the best rate quote, and the fastest and simplest way to accomplish this is to visit an insurance comparison site.
Once there you're going to be required to fill out a simple questionnaire with your health history as well as the kind of insurance you need. After you fill out the questionnaire you will receive health insurance quotes from a variety of A-rated insurance providers all vying for your business.
After you get your quotes all you have to do is compare your quotes as well as the coverages, and then select the company that has the very best price and the best insurance protection for your particular needs.
The whole process can be done in less than 10 minutes and you could very well save hundreds of dollars annually in insurance premiums. Time well spent to say the least.
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