Catastrophic Health Insurance Coverage – Do You Need it?
If you’re currently unemployed and without health insurance or you have a job that does not provide you with health insurance coverage, you may need to consider getting yourself a catastrophic health insurance coverage plan. Catastrophic health insurance is setup to cover major health problems and normally has high deductibles and low monthly premiums. With a catastrophic coverage health plan, you will normally have to pay out of pocket for doctor office visits and prescription drugs, but major expenses are covered. These types of expenses may include hospital stays, surgery, intensive care, lab tests and X-Rays. You will rarely find pregnancy and maternity care covered on these types of plans. Catastrophic coverage may be purchased individually or as group plans. You will have to pass pre-existing medical condition screenings. This means coverage for conditions you had prior to getting coverage wouldn’t be covered. A few examples might include diabetes, emphysema, heart disease and ca
