In need of catastrophic health insurance? Want to find out how to get the very best price with a reputable insurer? Here’s the best way to do it…
Looking for catastrophic health insurance coverage? Want to find out where to get the very best price with a reliable insurer? The following will show you exactly how to do that.
Catastrophic Health Insurance
Catastrophic health insurance pays for all of your major medical costs along with hospital expenses. It doesn’t, however, pay for your personal prescriptions or your visits to your doctor. This specific kind of insurance is also known as major medical health insurance. Nearly all policies cover hospital stays, surgeries, intensive care, Xrays, along with other hospital expenses.
Catastrophic health insurance is actually the least expensive of all health insurance. Deductibles – the total amount you pay for an insurance claim before your insurer must pay – start at $500 and go up to $5,000 . Most policies contain a lifetime maximum benefit, known as the cap, of $1 million to $3 million. As soon as you reach your cap you can no longer receive benefits and your insurance coverage will end up being terminated.
If you’ve got a pre-existing condition like AIDS, heart related illnesses, diabetes, MS, or emphysema, you may not be able to receive a catastrophic health insurance protection policy.
Catastrophic health insurance would be a great health insurance plan when you’re fairly healthy, take very few or no prescription drugs, and want to save money on your health insurance. It is also a good choice if you’ve retired from your job, have no insurance coverage, and are not yet qualified to receive Medicare insurance.
Questions To Think About
Before choosing a catastrophic health insurance plan you should ask yourself:
– Just how much does the plan cost?
– What exactly will the insurance policy cover and how much is the insurance cap?
– Am I Going To be able to cover the cost of my prescription drugs as well as doctor visits?.
– Just how much is the deductible and can I afford to pay for it?
Getting Low Cost Catastrophic Health Insurance Protection
You will have to compare prices from a number of different companies to be able to get the best price quote, and the quickest and easiest way to accomplish this will be to visit an insurance comparison website.
Once there you’ll be asked to fill in a simple questionnaire with your health history plus the kind of insurance you’d like. After you complete the questionnaire you will get health insurance quotes from a number of A-rated insurance companies all competing for your business.
Once you receive your insurance quotes, all you have to do is compare the coverages and insurance quotes from the different providers and choose the cheapest quote with the company that has the coverage you’ll need.
It will take you on average 5 to 10 minutes to do this, and by virtue of the fact that you might save hundreds of dollars a year in insurance costs, I think you will find this is time well spent.
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