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.

 

What is Catastrophic Health Insurance?

Let's face it, accidents happen and people get sick. In a perfect world, this wouldn't be the case, and no one would need health insurance. With rising health care costs, is it any wonder that a large part of the population must go without health insurance coverage?

An Affordable Solution

Catastrophic health insurance provides a solution for comprehensive coverage at affordable costs. This type of insurance, also known as a "major medical" plan, provides reimbursement for your major hospital or medical expenses. The monthly premiums are low, but you will have to meet a certain deductible before coverage begins. Catastrophic health insurance is attractive to those looking for serious coverage with very low premiums.

Coverage

Once your deductible is met, major medical necessities are covered, while routine doctor visits and prescriptions will need to be paid out-of-pocket. Coverage includes:

• Surgery
• Hospital stays
• Intensive care
• X-rays
• Lab tests

Be aware that catastrophic health insurance does not cover pregnancy related costs, so if you are currently pregnant or plan to get pregnant, you will want to carefully choose your insurance.

Deductibles and Maximums

The deductible amount is a minimum of $500, but may be higher, so check your policy to know what amount must be reached before coverage begins. Also, there are lifetime maximums set on the benefits, so when a policy reaches $1 million to $3 million, the insurance company will void the policy and no longer pay medical expenses.

Affordable Peace of Mind

Catastrophic health insurance is an excellent option if your employer doesn't provide health coverage or if you prefer to pay a lower premium each month. Many consumers don't feel it is necessary to pay for health insurance coverage that they won't need. Catastrophic health insurance is an affordable option that offers the peace of mind that you will have coverage if a major medical expense arises.