If you are searching for catastrophic health insurance, you want to obtain the best price you can with a top-rated insurer. The following tells you just how to accomplish this.
Catastrophic Health Insurance Coverage
Catastrophic health insurance, often called major medical insurance coverage, is a type of health insurance which will pay for major medical plus hospital expenses but doesn't take care of visits to your health care professional, prescription drugs, or maternity health care. This kind of health insurance protection will pay for your hospital stays, any kind of surgical treatment you might have, intensive care charges, X-rays, required medical tests, together with other hospital related expenses.
Of all of the different kinds of standard health care insurance, catastrophic health insurance coverage is the lowest priced. Deductibles - the total amount you pay for an insurance claim before your insurance company will pay - begin at $500 and go up to $5,000 or even more. This specific kind of insurance has got a cap, or lifetime benefit, of $1 million to $3 million, after which your benefits along with your policy will be immediately cancelled.
Catastrophic health insurance would be a great health insurance plan when you are fairly healthy, take only a few or no prescription drugs, and would like to spend less on your health insurance. It is also a sensible choice when you've retired from your job, have no insurance protection, and are not yet eligible for Medicare.
Some Things To Consider
It is important to think about the following basic questions before you buy catastrophic health insurance . . .
- What's the total cost of the insurance plan?
- What does it cover and what is the lifetime maximum benefit?
- Will I be able to pay for my prescribed drugs and any doctor visits?.
- Am I Going To be able to pay the deductible?
Getting The Best Rate
You will have to compare quotes from a number of different insurance companies to get the best rate quote, and the quickest and easiest way to do that will be to go to an insurance comparison site.
Once there you're going to be required to complete an easy questionnaire with your health history and the type of insurance you'd like. When you submit the questionnaire, you will get rate quotes from a number of A-rated insurance providers.
When you receive all of your quotes, all you have to do is compare the actual coverages and quotes from the different providers and select the lowest priced quote with the company that has got the coverage you need.
The entire procedure can be done in less than 10 minutes and you could very well save hundreds of dollars annually in monthly premiums. Time well spent to say the least.
Catastrophic Health Insurance Coverage
Catastrophic health insurance, often called major medical insurance coverage, is a type of health insurance which will pay for major medical plus hospital expenses but doesn't take care of visits to your health care professional, prescription drugs, or maternity health care. This kind of health insurance protection will pay for your hospital stays, any kind of surgical treatment you might have, intensive care charges, X-rays, required medical tests, together with other hospital related expenses.
Of all of the different kinds of standard health care insurance, catastrophic health insurance coverage is the lowest priced. Deductibles - the total amount you pay for an insurance claim before your insurance company will pay - begin at $500 and go up to $5,000 or even more. This specific kind of insurance has got a cap, or lifetime benefit, of $1 million to $3 million, after which your benefits along with your policy will be immediately cancelled.
Catastrophic health insurance would be a great health insurance plan when you are fairly healthy, take only a few or no prescription drugs, and would like to spend less on your health insurance. It is also a sensible choice when you've retired from your job, have no insurance protection, and are not yet eligible for Medicare.
Some Things To Consider
It is important to think about the following basic questions before you buy catastrophic health insurance . . .
- What's the total cost of the insurance plan?
- What does it cover and what is the lifetime maximum benefit?
- Will I be able to pay for my prescribed drugs and any doctor visits?.
- Am I Going To be able to pay the deductible?
Getting The Best Rate
You will have to compare quotes from a number of different insurance companies to get the best rate quote, and the quickest and easiest way to do that will be to go to an insurance comparison site.
Once there you're going to be required to complete an easy questionnaire with your health history and the type of insurance you'd like. When you submit the questionnaire, you will get rate quotes from a number of A-rated insurance providers.
When you receive all of your quotes, all you have to do is compare the actual coverages and quotes from the different providers and select the lowest priced quote with the company that has got the coverage you need.
The entire procedure can be done in less than 10 minutes and you could very well save hundreds of dollars annually in monthly premiums. Time well spent to say the least.
About the Author:
Click the link that follows in order to get absolutely free catastrophic health insurance quotes from top companies. Please click the following link for additional info on the best way to get cheap catastrophic health insurance rates from A-rated companies.
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