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What is Catastrophic Health Insurance?

So your employer in Dallas, Houston or any
place in Texas doesn't offer healthOlder adults who buy this kind of policy are
insurance. Perhaps you can't afford to payconcerned with financial losses associated
for a health plan. Or maybe you just don'twith heart attacks, cancer or other serious
want pay for health coverage because you'reillnesses. They're generally healthy, have
healthy enough that you feel "you don't needvery few or no prescriptions, and would
it." If you fall into any of theseprefer to pay out of pocket for office visits
categories, you may be a candidate for ato  save  on  premiums.
"catastrophic" health insurance plan, or what
is sometimes called a "high deductible"Catastrophic health plans can be purchased as
health  plan  (HDHP).an individual health insurance plan, as well
as through employer group plans. Companies
Catastrophic health insurance is usuallywith 1,000 or more employees typically offer
characterized by its high deductibles and lowhigher deductible plan options. Retirees, who
monthly premiums. These plans typically coveraren't yet eligible for Medicare, also often
major hospital and medical expenses onlychoose catastrophic plans to reduce their
above a certain deductible. This means youpremiums.
are likely to pay out-of-pocket for most
everything else, like routine doctor visitsCertain pre-existing conditions will make you
and  many,  if  not  all, prescription drugs.ineligible for a catastrophic health plan in
the individual health plan market. Health
The many catastrophic health insurance plansconditions such as AIDS, diabetes, emphysema,
offered these days cover expenses forheart disease, multiple sclerosis, and
hospital stays, surgery, intensive care,schizophrenia, as well as some other serious
diagnostic  X-ray  and  lab  tests.illness, are red flags to insurances
companies and can prevent you from being
When choosing this kind of plan, yourunderwritten for a catastrophic plan. While
deductible may start at $1,000 a month orserious impairments like these will
higher. Along with the high deductibles, manydisqualify someone from a high- deductible
catastrophic health plans have high lifetimeplan, that it is much easier for someone with
maximum benefit payments, or caps, which canmild impairments to get a high deductible
be between $1 million and $5 million. Onceplan - particularly the very high deductible
you reach your cap, the insurance companyplans  -  than  a  low  deductible  plan.
won't pay for any additional medical expenses
and  your  coverage  is  terminated.Like many other health insurance plans, you
can purchase different levels of catastrophic
By selecting a high-deductible plan, it'scoverage depending on what type of
expected you'll pay for your medical needshigh-deductible  plan  is  chosen.
until your expenses exceed your deductible.
For example, with a $15,000 deductible andBefore purchasing a catastrophic health plan,
surgery that costs $5,000, you would pay foryou  need  to  consider:
the surgery entirely. You should also be
aware that the deductible limit for aHow much is the premium, and do you pay
high-deductible health plan, which ismonthly,  quarterly,  annually?
qualified as a Health Savings Account (HSA)
is $5,000 in 2007 (unless you are age 55 orHow  much  is  the  deductible?
older).
How  much  of  a  deductible  can you afford?
If you decide to pursue a catastrophic health
insurance plan, you should also know thatHow  extensive  is  the  coverage?
most of them do not cover most of the costs
of pregnancy care. So if pregnancy is aDo  you  need  prescription  medications?
possibility, make sure to check if pregnancy
coverage is available with your plan. SomeAre your own doctor's office visits
catastrophic plans don't cover maternity careaffordable?
for  a  full  year after your effective date.
Do  you  have  any  pre-existing  conditions?
People who buy catastrophic health insurance
tend to fall into two groups: young adults inDo  you  get  sick  often?
their 20's and older adults ages 50 to 65.
Young adults who buy catastrophic coverageWhat's the annual and lifetime coverage
are usually self-employed or have no coveragelimit?
through  their  employers.



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