Sunday, August 12, 2007

Catastrophic Health Insurance - How to Get the Best Rate

Looking for ruinous wellness insurance? Desire to cognize how to acquire the best charge per unit with a reputable company? Here's how ...

Catastrophic Health Insurance

Catastrophic wellness insurance, also known as major medical insurance, is a type of wellness coverage that pays for major medical and infirmary disbursals but makes not pay for visits to your doctor, prescription drugs, or motherhood care. Most bes after screen infirmary stays, surgeries, intensive care, Xrays, and other infirmary fees.

Catastrophic wellness coverage is the cheapest of all wellness insurance. Deductibles - the amount you pay for a claim before your coverage company will pay - start at $500 and travel up to $5,000 or more. Most bes after have got a lifespan upper limit benefit, known as a cap, of $1 million to $3 million. Once you attain your cap you can no longer have got benefits and your policy is canceled.

If you have a peculiar pre-existing condition such as as AIDS, bosom disease, diabetes, multiple sclerosis, or emphysema, you may not be able to acquire a ruinous wellness coverage plan.

Catastrophic wellness coverage may be a good wellness coverage program for you if you're relatively healthy, take few or no prescription drugs, and desire to salvage money on your wellness insurance. This program may also be a good pick if you're retired and not yet eligible for Medicare benefits.

Questions to Consider

Before you buy a ruinous wellness coverage program you necessitate to inquire yourself:

1. How much makes the program cost?

2. What makes it cover and what is the lifespan upper limit benefit?

3. Can I afford to pay for physician visits and prescriptions drugs?

4. How much is the deductible and can I afford it?

Getting Cheap Catastrophic Health Insurance

In order to acquire the best terms on ruinous wellness coverage you necessitate to compare rates. The easiest manner to make that is to travel online and visit an coverage comparing website.

Once there you'll be asked to fill up out a simple questionnaire with your wellness history and the type of coverage you want. After you fill up out the questionnaire you'll acquire wellness coverage quotation marks from a figure of A-rated coverage companies.

The best comparing websites have got an coverage professional person on phone call so you can acquire replies to your wellness coverage questions. They also have got an "Articles" or "FAQs" subdivision with information about wellness insurance.

1 comment:

Jake said...

If your looking to compare health insurance plans online, I found www.healthplanone.com a useful resource. You can get a free health insurance quote online or call to speak to an agent for recommendations.