Catastrophic health insurance plans offer a unique and effective solution to rising health insurance costs. Here is how a catastrophic health insurance plan can help you or your family save money and stay protected.

Affordable Premiums

Because most catastrophic health insurance plans offer coverage with a high deductible and very few "bells and whistles", the price for these plans is very affordable. In fact, many individuals save hundreds, if not thousands of dollars, per year.

The idea is, that the insurance company covers the big stuff, and you are responsible for the everyday expenses. This is advantageous because if you don't utilize your health plan throughout the year, you keep the money you would have otherwise spent on comprehensive health coverage, not your insurance company.

Excellent Major Medical Coverage

Although these plans don't cover everyday expenses, some do cover preventive care and/or minor accidents before the deductible. Some also allow you to add a supplemental cancer benefit.

There are many plans that cover 70% or 80% of your medical expenses after you have met the deductible. However, you should be able to find a plan that covers 100% once the deductible has been met. Because these plans were designed to cover major medical expenses, it's common that they cover between $1,000,000 and $25,000,000 in expenses over a persons lifetime.

Tax Advantages (an added bonus)

If you purchase a "qualified high deductible health plan" you are eligible to open a health savings account (HSA.) An HSA is a checking account that allows you to deposit money pre-tax. Once you have a balance, you can use the money in your HSA to pay for medical, dental, vision, and other expenses you have throughout the year. Most banks or credit unions will provide you with a debit card to simplify payments and record-keeping. There are many other expenses you can pay for, pre-tax, out of your health savings account.

Best of all, the money comes out of the account tax free. It's the only financial account available that's not taxed on the way in, or the way out. It's a huge financial bonus on top of having a low health insurance premium, especially if you are in a medium or high tax bracket.

The Bottom Line

A catastrophic health insurance plan is a great way to save money on your health premiums and take advantage of tax savings for the medical expenses you incur during the year. Take advantage of this unique solution and contact an agent in your area for a quote.



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Health coverage is something that people from the age of 25 and below might not think about too much because they are in good health. But, as we age, we are more prone to any diseases, and we should go to the doctor to get a checkup to make sure that our bodies are functioning correctly and that we are not at risk. For women, this is more important because checkups can prevent breast cancer and other related diseases.

Some people may not want to get insurance because of high costs And they are partially correct. But what they haven't been told is that there are cheap health insurance companies that can give them the same coverage at lower rates. Getting cheap health insurance is easy affordable to get, but lets talk about what may keep you paying higher premiums.

Let's talk about what causes you to have high premiums at your insurance company and what might prevent you from having cheap insurance, however, there are companies that will take at-risk individuals because they do not have a high overhead.

Diabetes type II. This used to be called adult onset diabetes however, with the many kids that that have poor eating habits, they are developing diabetes type II which puts them at risk for a host of diseases that will prevent them from being able to get adequate health coverage when they need it. So, it is important that before you apply for cheap health insurance that you have a clean bill of health and you do not have have risk factors in your day to day behavior that could qualify as risk factors that turn into pre-existing conditions.

Smoking and drinking habits are asked on questionnaires at insurance companies. If you do smoke your premiums may increase. And when you do apply for cheap health insurance, it is best to stress that you have good healthy habits that will not put your insurance company at risk and cause you to have any pre-existing conditions that may prevent you from having your insurance company pay for your prescriptions. Be sure to always ask about prescription coverage and if they cover generic and how much the brand name. This list can be provided by your cheap health insurance company

Here is a free resource to find the Cheapest Health Insurance Company without having to compromise your coverage.



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If you are self employed, then you know purchasing health insurance can be very expensive. Most self employed individuals have to accept reduced coverage or accept very high premiums to get their family health insurance. Before you decide on seeking low cost health insurance, there are two categories to consider. There are group and individual or self employed health insurance plans. Individual is the most expensive and is written based on your medical history, but if you're looking to save money, most people choose group to get low cost insurance.

Group insurance is organized into several medical networks which include HMOs, PPOs, POSs, and Health Savings Accounts. It is best to learn about each of them before making a decision. HMOs are less expensive and offer less options. PPOs and POSs are a little more expensive offering more options and choices of doctors to choose from. HSAs will make you pay higher deductibles, lower premiums, but will provide tax free benefits towards retirement. Choosing among any of these networks will assist in getting a low cost insurance rate.

Self employed health insurance is more costly, but can be applied to online. You can go to self employed health insurance web sites and compare multiple provider plans.

Increasing your deductible is a great to get a lower premium for your low cost insurance. This will greatly save on your monthly premium. You might pay more out of pocket if an emergency arises, but it's better than not having health insurance with monthly premiums you can't afford. Take an inventory of your medical needs. You may also be paying a lot more for coverage of medical conditions you don't have. Stripping away unnecessary coverage will greatly encourage a low cost insurance rate or premium.

Check with local and national organizations for the self employed. These organizations have teamed together to obtain more affordable low cost insurance through group policies. You could also check into a chamber of commerce or union in your geographic area. Also, consider joining the Small Business Service Bureau or the National Association for the Self Employed. This organization founded in 1981 supports and benefits thousands of entrepreneurs and micro-businesses.

Take advantage of club memberships offering discounts on insurance plans. If you are a Costco or Sam's Club member, you can upgrade your membership to a corporate/business membership and take seek out their low cost insurance health plans.

Married and your spouse works? You may be fortunate enough to find insurance options through your spouses' employer. You could save hundreds of dollars per year in premiums.



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Americans are now burning holes in their pockets just to have the health insurance coverage they need. Fortunately, there is a choice. You can have the excellent insurance coverage you are seeking at a very cheap and affordable price within your reach. Now you can secure your health, as well as save money for future expenses.

Try having a high rate deductible health policy. This is one of the best ways to save money for those who would want to keep their health insurance policy cheap yet very efficient in delivering quality health care coverage. Different companies often let their insurers pay the annual physical deductible but they want the other expenses such as doctors visits and medical prescriptions to be the insurers expense.

Different states have different health cover and there is no single cover for the whole of the country. In new York the cost of cover is high enough to make it unaffordable for a lot of people. this is why it is a good idea to have a policy with a higher deductible combined with a HSA that will cover this cost.

One of the best things about high deductible health policies is that they cover your entire medical expenses when you reach the exact deductible amount.

By having your own high deductible health policy, you are entitled to open a health savings account or also known as HSA. If you have a health savings account, the money inside your account will go to the account pre-tax. This lowers your overall gross income by the end of the year and it can be withdrawn without any tax charges.

When shopping for health insurances, make sure you look around. Get quotes from different insurance companies. Since each company have different rates for different types of coverage, make sure you go around them one by one and compare their differences. You will soon find out that when you are comparing the same coverage under one company, some rates are lower than the others.

We all know health insurance is a very expensive commodity. And it is up to us to find out which health plan suits the needs of our family and ourselves. A lot of people have given up having health insurance since it is too expensive to maintain but with these tips, you can now have your own health plan.



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On a daily basis cheaper health insurance prices constantly change, while expensive ones only change on 2-3 occasions per month. However, policy holders that have been in possession of these insurance plans are no longer being informed of these changes.

The flaw of most insurance companies is that they do not inform their clients of the exact amount they can save. Since health insurance prices vary about 2-3 times a month, clients who already own policies are no longer being informed when these rates are lowered.

The recession has caused competing insurance companies to lower their prices. Because of this, customers can benefit from the low prices in order to get an insurance policy.

Locating the cheapest insurance coverage can consume your time. This is intended to wear out the customer so that he will instead, sign up with the health insurance company he has wasted enough time on over the phone.

Because of this, private companies enable customers to perform research on inexpensive rates for all the biggest insurance companies. This has been possible through the internet where this information can be accessed for free.

Customers are able to learn the facts on cheaper monthly fees without the tiring task of talking to annoying sales representatives. In less than a minute, the biggest insurance companies can be found. This eliminates the companies trick of taking advantage of its clients.

Paying a higher price every month is not necessary if the same coverage from a different company is actually cheaper. By using these free searches, policy holders can save time and effort on determining the right companies cheaper rates and save up to half on their health insurance bills.



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Our Federal government founded Medicare in 1965 to be a safety net for older Americans who could no longer afford premium health care insurance.

You are eligible if you:

- have worked 10 years or more and paid Social Security taxes
- are age 65 (if you are younger than 65 you can qualify if you have certain disabilities or end-stage renal disease)
- are a U.S. citizen or permanent resident

The four parts of Medicare

Medicare comes in 4 parts: Part A, B, C and D. Very simply they cover these medical costs:

- Part A covers hospital benefits up to around 75% of medical costs. Hospital benefits include medicare-certified hospitals, skilled nursing facilities, hospice care and some other home healthcare agencies. Most do not have to pay for Part A if they meet Medicare qualifications.

- Part B covers all other medical care up to 75%. There is a monthly premium, currently set at $96.40 (2009 figure). These services include out of hospital physician services, outpatient services, physical therapy, mental health, ambulance and some medical equipment and supplies. Part B does not cover prescription, routine checkups, hearing aids and other extras. The monthly premium is deducted from your social security check. You must have Medicare Part A to get Part B.

- Part C - also known as the "gap plan" - covers what Parts A and B don't, with one exception, prescriptions.

- Part D is Medicare that covers your prescriptions, finally. The best way to find the most cost effective Part D plan is for you to go to your local pharmacist. He or she will be able to check what plans they have for you.



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A common fact with a lot of people when they fall ill; the last thing on their minds will be to pay the doctor a visit. For every sick person; to patiently sitting in a provided room with other sick people waiting for your turn, then having to spend only few minutes getting your required treatment and seeing the huge charges follows afterward can be very overwhelming.

Now, there is good news! Thanks to health insurance service known as doctor visit insurance. This coverage will take care of all that medical bills thereby making the process of seeing the doctor more financially convenient.

Know How To Ask the Right Questions

It is very important to have the right plan in mind. This will ensure that you get a cost-effective doctor visit insurance plan that satisfies your coverage and medical needs.

Here are some helpful guiding tips before you make your final decision:

1. Know how much you can pay conveniently. You know your finances better than anyone else. Take out time to carefully study your income and expenses. This will help you determine how much money you can comfortably pay in monthly or annual premiums.

2. Compare policy prices and benefits separately. Here are a couple of questions you should ask your medical insurers. This will help you determine the doctor visit health plan that is right for you.

How much will i be charged in premiums?

What is the level of coverage provided by my insurance company and how much I am supposed to pay?

Get free professional help from reliable health insurance agents. Do you need a quality doctor visit insurance? Let us connect you with the agents on our network. This will make it easier for you to compare different plan and their prices, and choose your ideal medical insurance plan.

Where To Get and Compare Free Quotes On Doctor Visit Insurance From Leading Health Insurance Companies Nationwide?



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