Archive for November, 2012
Get The Cheapest Catastrophic Health Insurance
Searching for catastrophic Health Insurance? Want to know how to get the best rate with a reputable company? The following will show you the way to achieve that.
What is Catastrophic Health Insurance?
Catastrophic Health Insurance, sometimes called Major Medical Insurance, is a type of health insurance that pays for major medical as well as hospital costs but doesn’t take care of visits to your health care professional, prescription medications, or maternity care. This type of health insurance protection pays for your hospital stays, virtually any surgical treatment you’ll have, intensive care expenses, X-rays, required lab tests, as well as other hospital related charges.
Catastrophic health insurance is actually the most affordable of All Health Insurance. The deductible with one of these plans (the amount of money you pay toward a claim before your insurance provider will pay) start at $500 and may go as high as $5,000 Most plans contain a lifetime maximum benefit, referred to as a cap, of $1 million to $3 million. When you reach your cap you’ll no longer be given benefits and your insurance policy will end up being canceled.
Catastrophic health insurance is an excellent plan if you want to save a lot of money on your insurance coverage, if you are in good health, and if you do not take many prescription drugs. It is also a sensible choice when you’ve retired from your job, haven’t any insurance coverage, and are not yet qualified for Medicare insurance.
Questions To Bear In Mind
Before you buy a catastrophic health insurance protection plan you should ask yourself:
– Just how much will the plan cost?
– Just what will the policy cover and just how much is the insurance policy cap?
– Can I afford visits to the doctor plus prescription drugs myself?
– Just how much is the deductible and can I afford to pay for it?
Getting Low Priced Catastrophic Health Insurance
You’ll need to compare quotes from a number of different insurers to get the best price quote, and the most effective and most convenient way to accomplish this is to go to an insurance comparison website.
Once there you’ll be required to complete an easy questionnaire with your health history in addition to the kind of insurance you want. After you submit the questionnaire, you’ll receive price quotes from numerous A-rated insurance companies.
Once you receive your quotes all you have to do is compare your quotes as well as the coverages, then select the company that has the very best quote along with the very best insurance protection for your specific needs.
It will take you typically 5 to 10 minutes to get this done, and by virtue of the fact that you could save hundreds of dollars annually in insurance costs, I think you will find that this is time well spent.
Click on the link that follows in order to get your 100% free catastrophic health insurance.