Trying to find catastrophic health insurance? Want to know how to get the best rate with a reliable insurer? The following explains the best way to achieve that.
Catastrophic Health Insurance
Catastrophic health insurance coverage will pay for all of your major medical charges as well as hospital bills. It won't, however, pay for your own prescriptions or visits to your doctor. This type of insurance coverage is also called major medical insurance. Virtually all policies cover hospital stays, surgeries, intensive care, Xrays, together with other hospital expenses.
Catastrophic health insurance is actually the most affordable of all health insurance. Deductibles - the amount you pay for a claim before your insurer will pay - begin at $500 and go up to $5,000 or more. This type of insurance coverage has a cap, or lifetime benefit, of $1 million to $3 million, after which your benefits along with your insurance policy are immediately cancelled.
In case you have a particular pre-existing condition like AIDS, heart disease, diabetic issues, MS, or emphysema, you may not be able to get a catastrophic health insurance protection plan.
Catastrophic health insurance is usually a sensible health insurance plan if you are healthy, take very few or no prescribed drugs, and want to spend less on your health insurance. This plan can also be a good option if you are retired and not yet qualified for Medicare insurance benefits.
Questions To Consider
You'll want to think about these basic questions before buying catastrophic health insurance . . .
- Just how much will the plan cost you?
- Just what does it cover and what's the lifetime maximum benefit?
- Can I afford visits to the doctor and prescribed drugs myself?
- How much is the deductible and can I afford to pay it?
Obtaining Affordable Catastrophic Health Insurance
You will have to compare rates from a number of different companies to be able to obtain the best price quote, and the quickest and simplest way to accomplish this is to go to an insurance comparison site.
Once there you're going to be required to complete an easy questionnaire with your health history in addition to the kind of insurance you would like. Once you fill in the questionnaire you'll receive health insurance quotes from a variety of A-rated insurance carriers all vying for your business.
When you get all of your insurance quotes, all you have to do is compare the actual coverages and quotes from the various insurers and select the lowest priced quote with the company that has the protection you need.
It will take you typically 5 to 10 minutes to do this, and by virtue of the fact that you could possibly save hundreds of dollars annually in insurance costs, I think you will find that this really is time well spent.
Catastrophic Health Insurance
Catastrophic health insurance coverage will pay for all of your major medical charges as well as hospital bills. It won't, however, pay for your own prescriptions or visits to your doctor. This type of insurance coverage is also called major medical insurance. Virtually all policies cover hospital stays, surgeries, intensive care, Xrays, together with other hospital expenses.
Catastrophic health insurance is actually the most affordable of all health insurance. Deductibles - the amount you pay for a claim before your insurer will pay - begin at $500 and go up to $5,000 or more. This type of insurance coverage has a cap, or lifetime benefit, of $1 million to $3 million, after which your benefits along with your insurance policy are immediately cancelled.
In case you have a particular pre-existing condition like AIDS, heart disease, diabetic issues, MS, or emphysema, you may not be able to get a catastrophic health insurance protection plan.
Catastrophic health insurance is usually a sensible health insurance plan if you are healthy, take very few or no prescribed drugs, and want to spend less on your health insurance. This plan can also be a good option if you are retired and not yet qualified for Medicare insurance benefits.
Questions To Consider
You'll want to think about these basic questions before buying catastrophic health insurance . . .
- Just how much will the plan cost you?
- Just what does it cover and what's the lifetime maximum benefit?
- Can I afford visits to the doctor and prescribed drugs myself?
- How much is the deductible and can I afford to pay it?
Obtaining Affordable Catastrophic Health Insurance
You will have to compare rates from a number of different companies to be able to obtain the best price quote, and the quickest and simplest way to accomplish this is to go to an insurance comparison site.
Once there you're going to be required to complete an easy questionnaire with your health history in addition to the kind of insurance you would like. Once you fill in the questionnaire you'll receive health insurance quotes from a variety of A-rated insurance carriers all vying for your business.
When you get all of your insurance quotes, all you have to do is compare the actual coverages and quotes from the various insurers and select the lowest priced quote with the company that has the protection you need.
It will take you typically 5 to 10 minutes to do this, and by virtue of the fact that you could possibly save hundreds of dollars annually in insurance costs, I think you will find that this really is time well spent.
About the Author:
Click the weblink that follows to recieve your free catastrophic health insurance quotes from A-rated companies. Click on the following link for additional information on how you can obtain the cheapest catastrophic health insurance rates from A-rated companies.
This article collected, selected and written by: Author Van Hoc
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