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Catastrophic Health Insurance

Catastrophic health insurance is often called major medical insurance; if you are young and healthy and don't want to pay for coverage you don't need, this may be a good option for you.

Low monthly premiums and high deductibles are typical of catastrophic health insurance plans. Major hospital and medical expenses including diagnostics, X-rays, lab tests, hospitalization, and surgery are generally covered by these plans (after you meet a deductible). They do not normally cover any doctor visits or prescription drugs.

These plans tend to have a high deductible, but make sure your deductible is within reach in case you need serious medical care. The risk of paying more out-of-pocket for your medical care is justified by the relatively low premiums.

People with pre-existing conditions such as diabetes, emphysema, AIDS, heart disease, and many others are normally not eligible for catastrophic health insurance plans and maternity coverage is often not available.

What Catastrophic Health Insurance Includes

Catastrophic health insurance coverage is there to cover many of the significant health care costs incurred when suffering from serious illness or injuries. The policy is normally extremely broad with a high dollar amount for maximum benefits. At least $250,000 in coverage is nearly always part of this kind of policy, but coverage of $1,000,000 or more is not uncommon.

The following items are often covered by catastrophic health insurance plans:

  • Lab services
  • X-Rays
  • Diagnostic tests including MRIs and CAT-scans
  • Ambulance services
  • Radiology
  • Blood (and plasma)
  • Oxygen
  • Intensive care and other hospitalization (including all supplies and services including surgery)
  • Medication (prescription and other)
  • Nursing services and other medical services (including in-home care)
  • Physicians services (surgical, medical, and diagnostic)
  • Anesthesia
  • Dental treatment for injuries
  • Prosthetics

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