When you’re looking for catastrophic health insurance coverage, your goal is to obtain the best price you possibly can with a top-rated insurer. The following tells you the way to do that.

Catastrophic Health Insurance Coverage

Catastrophic health insurance coverage, sometimes called major medical insurance coverage, is a type of health insurance coverage which pays for major medical as well as hospital expenses but doesn’t pay for visits to your health care professional, prescription medications, or maternity health care. This type of health insurance coverage pays for your hospital visits, any kind of surgery you might have, intensive care fees, X-rays, essential medical tests, together with other hospital connected charges.

Catastrophic health insurance is actually the lowest priced of all health insurance coverage. The deductible with these plans (the money you have to pay toward a claim before your insurance provider pays) start at $500 and can go as high as $5,000 This form of insurance coverage has a cap, or lifetime benefit, of $1 million to $3 million, after which your benefits plus your insurance policy will be automatically cancelled.

Catastrophic health insurance would be a good health insurance plan for you when you are fairly healthy, take only a few or no prescribed drugs, and would like to save money on your health insurance coverage. This plan may also be a sensible choice when you are retired and not yet qualified for Medicare insurance .

Questions To Consider

You’ll want to think about these questions before buying catastrophic health insurance coverage . . .

– How much does the plan cost you?

– Just what does it pay for and what is the lifetime maximum benefit?

– Can I afford to pay doctor visits and prescription drugs myself?

– Just how much is the deductible and can I afford to pay it?

Getting Low-cost Catastrophic Health Insurance

To receive the very best price on catastrophic health insurance you have to compare prices. The easiest way to do this is to use the internet and visit an insurance comparison website.

Once there you’re going to be required to complete a simple questionnaire with your health history and the type of insurance coverage you want. After you fill out the questionnaire you will receive health insurance quotes from a variety of A-rated insurance companies all competing for your business.

Once you get your quotes all you need to do is compare the quotes as well as the coverages, then select the company that has the very best price in addition to the very best insurance protection for your particular needs.

It will take you on average 5 to 10 minutes to accomplish this, and by virtue of the fact that you could save hundreds of dollars annually in insurance costs, I think you’ll find that this is time wisely spent.

Click the link that follows in order to get free catastrophic health insurance quotes from A-rated companies. Please click the following link to learn more about the best ways to acquire low cost catastrophic health insurance rates from top companies.