| If you're currently unemployed and without health | | | | Should you get a catastrophic health insurance plan? |
| insurance or you have a job that does not provide you | | | | That depends. If you are healthy with no pre-existing |
| with health insurance coverage, you may need to | | | | conditions and you do not have access to another |
| consider getting yourself a catastrophic health | | | | health plan, you may be a good candidate for a |
| insurance coverage plan. Catastrophic health insurance | | | | catastrophic coverage plan. Also, if you are an older |
| is setup to cover major health problems and normally | | | | adult with no health problems and you just need piece |
| has high deductibles and low monthly premiums. | | | | of mind insurance coverage to protect your for major |
| With a catastrophic coverage health plan, you will | | | | catastrophes (like heart attacks, cancer, etc.), then this |
| normally have to pay out of pocket for doctor office | | | | type of coverage could be right for you. If you don't fit |
| visits and prescription drugs, but major expenses are | | | | these criteria, you might consider other options. |
| covered. These types of expenses may include | | | | What should you look for in a catastrophic coverage |
| hospital stays, surgery, intensive care, lab tests and | | | | plan? Consider the following when comparing |
| X-Rays. You will rarely find pregnancy and maternity | | | | catastrophic policies from different insurance providers: |
| care covered on these types of plans. | | | | - The cost of the premiums |
| Catastrophic coverage may be purchased individually | | | | - The cost of the deductibles and your maximum out |
| or as group plans. You will have to pass pre-existing | | | | of pocket expense |
| medical condition screenings. This means coverage for | | | | - The level of coverage |
| conditions you had prior to getting coverage wouldn't | | | | - Whether or not you can afford to pay for |
| be covered. A few examples might include diabetes, | | | | prescriptions and office co-payments |
| emphysema, heart disease and cancer (but there are | | | | - Do you have pre-existing conditions? |
| countless more possibilities). | | | | - Do you get sick often? If you decide to look into a |
| Normally, catastrophic medical insurance coverage is | | | | catastrophic health insurance policy, there are many |
| purchased by healthier people in their 20's and | | | | ways to do so. You can contact your local health |
| sometimes for people nearing the retirement age | | | | insurance independent agent or look for a company |
| (50-65 years of age). It is also a popular alternative for | | | | online to provide you a quote. It's a good idea to |
| self-employed individuals who don't have a health | | | | compare multiple insurance providers before making |
| insurance plan. | | | | your decision. |