| Looking for catastrophic health insurance? Want to | | | | choice if you're retired and not yet eligible for Medicare |
| know how to get the best rate with a reputable | | | | benefits. |
| company? Here's how ... | | | | Questions to Consider |
| Catastrophic Health Insurance | | | | Before you purchase a catastrophic health insurance |
| Catastrophic health insurance, also known as major | | | | plan you need to ask yourself: |
| medical insurance, is a type of health insurance that | | | | 1. How much does the plan cost? |
| pays for major medical and hospital expenses but | | | | 2. What does it cover and what is the lifetime |
| does not pay for visits to your doctor, prescription | | | | maximum benefit? |
| drugs, or maternity care. Most plans cover hospital | | | | 3. Can I afford to pay for doctor visits and |
| stays, surgeries, intensive care, Xrays, and other | | | | prescriptions drugs? |
| hospital fees. | | | | 4. How much is the deductible and can I afford it? |
| Catastrophic health insurance is the cheapest of all | | | | Getting Cheap Catastrophic Health Insurance |
| health insurance. Deductibles - the amount you pay for | | | | In order to get the best price on catastrophic health |
| a claim before your insurance company will pay - start | | | | insurance you need to compare rates. The easiest |
| at $500 and go up to $5,000 or more. Most plans have | | | | way to do that is to go online and visit an insurance |
| a lifetime maximum benefit, known as a cap, of $1 | | | | comparison website. |
| million to $3 million. Once you reach your cap you can | | | | Once there you'll be asked to fill out a simple |
| no longer receive benefits and your policy is canceled. | | | | questionnaire with your health history and the type of |
| If you have a particular pre-existing condition such as | | | | insurance you want. After you fill out the questionnaire |
| AIDS, heart disease, diabetes, multiple sclerosis, or | | | | you'll get health insurance quotes from a number of |
| emphysema, you may not be able to get a | | | | A-rated insurance companies. |
| catastrophic health insurance plan. | | | | The best comparison websites have an insurance |
| Catastrophic health insurance may be a good health | | | | professional on call so you can get answers to your |
| insurance plan for you if you're relatively healthy, take | | | | health insurance questions. They also have an |
| few or no prescription drugs, and want to save money | | | | "Articles" or "FAQs" section with information about |
| on your health insurance. This plan may also be a good | | | | health insurance. |