Step 1: Please Complete a General Medical Profile   Gender Date of Birth MM/DD/YYYY Height Weight Smoker? Applicant* --MF / / Ft3456 In01234567891011 Spouse --MF Please select your gender. / / Ft3456 In01234567891011 Children 0123456   Child 1: --MF Please select your gender. / / Ft123456 In01234567891011 Child 2: --MF Please select your gender. / / Ft123456 In01234567891011 Child 3: --MF Please select your gender. / / Ft123456 In01234567891011 Child 4: --MF Please select your gender. / / Ft123456 In01234567891011 Child 5: --MF Please select your gender. / / Ft123456 In01234567891011 Child 6: --MF Please select your gender. / / Ft123456 In01234567891011 Are you currently insured?* Yes   No Who is your current insurance company?* --AetnaAssurant HealthBlue CrossBlue ShieldCeltic Insurance CompanyCIGNAGolden Rule InsuranceGroup Health CooperativeGroup Health Incorporated (GHI)Health NetHealthPartnersHumanaIntermountain Health Care (IHC)Kaiser PermanenteLifeWise Health PlanMedicaMedical Mutual of OhioMidwest SecurityOxford Health PlansPacifiCareTufts Health PlanUNICAREUnited HealthCareUnited Wisconsin Life/AMSVista Health PlanOther When would you like coverage to begin?* 1234 / 12345678910111213141516171819202122232425262728293031 / 2009 Do you currently take any medications?* Yes   No Please specify* Do any of the people applying for health insurance have any pre-existing conditions?* Yes   No Please check all pre-existing health conditions that apply to any of the people listed above: Aneurysm Cancer Clinical Depression Diabetes Drug/Alcohol Abuse Emphysema Heart Disease HIV/AIDS Hypertension Kidney Disease Liver Disease MS Paralysis Stroke Other Major Illness Step 2: Provide Your Contact Information First Name* Last Name* Address* City* State* --Select--AlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareDistrict of ColumbiaFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyoming Zip Code* Daytime Phone* - - Evening Phone* - - Contact Time* AnytimeMorningAfternoonEvening Email Address* I have read and agree to the Privacy Policy and Site Terms of Use. I also agree to be contacted by telephone by up to 4 health insurance professionals.

 

How Much Do Catastrophic Health Plans Cost?

It's the million dollar question when making a decision about health care coverage - how much will it cost?

Most people have heard the buzz about rising health care costs in the news. If you are either self-employed, your employer doesn't offer health care, or you are just budget conscious, you are likely looking for adequate health care coverage that isn't going to break the bank.

Look no further than a catastrophic health plan, which offers the benefit of coverage for major medical expenses, but is available at very reasonable rates. You can be assured that you have some type of health plan in place without facing exorbitant premiums each month.

Factors Affecting Cost

There are a number of factors that impact the cost - like other policies, catastrophic health plans are not a one-size-fits-all solution. Consider the following:

• Overall health
• Age
• Pre-existing condition
• Smoker/non-smoker
• Chosen plan, including deductible amount

While each of these factors will impact the cost of your premium, this example from Insurance.com illustrates just how inexpensive catastrophic health plans are:

A catastrophic plan from Blue Cross Blue Shield of Florida for a nonsmoking 21-year-old female, with a $250 deductible and $2,500 out-of-pocket limit after exceeding the deductible, costs $29 per month.

A general understanding of the deductibles for catastrophic health plans is necessary when purchasing a policy. Compare each policy carefully, because the deductible amount will help you determine your out-of-pocket expenses.

Some catastrophic health plans have a $250 deductible, which requires that you pay out that amount in medical expenses before you can begin to receive insurance coverage. Other plans may have a deductible of $500, so you have a higher number to meet before coverage begins. Also, be aware that catastrophic health plans do not cover prescription drugs, routine doctor's visits or maternity care, so all of those medical costs will need to be out-of-pocket.