The Benefits of Catastrophic Health Insurance Plans
It is now a requirement of the federal government that you have health insurance. If you fail to cover yourself, then you could face a hefty fine when you file your taxes. The good news is that there are ways to stay legal and protect yourself without spending a lot of money. Catastrophic health insurance plans are the perfect choice for people who are basically healthy and just want to have that extra insurance in case something tragic happens.
Made for Serious Health Problems
Also knows as hospital-only or short-term health insurance plans, catastrophic health insurance plans are not for you if you visit the doctor several times a year with allergies or other illnesses. They are for healthy people who rarely visit the doctor. They don’t cover many services like prescription drug, checkups and immunizations, but they will cover you if you are in an accident or diagnosed with a serious illness like cancer.
Benefits of Specialized Plans
The primary benefit of these plans is that you will save money with lower premiums. However, many people feel like it would be cheaper to go without insurance and just pay the fine. It’s important to remember that the cost of medical care can easily run into the tens or even hundreds of thousands of dollars if you need emergency surgery or have cancer. These plans provide you with care in these extreme situations, and you cannot put a price on the peace of mind they provide.
Catastrophic health insurance plans are the right choice for you if you have no pre-existing conditions and do not take prescription drugs for any health conditions. They are designed for people who rarely visit the doctor and are trying to minimize their health care expenses as much as possible. They are also a good choice if you are temporarily without coverage and just need emergency protection for a few months.
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Catastrophic Health Insurance Florida by Josh Docktor January 9, 2013