Health Insurance Leads Cape Coral Florida FL
Reader’s Question:
I think I need catastrophic health insurance but I need to know what it covers. I am a resident in Cape Coral Florida FL. What needs to be considered when buying catastrophic health insurance?
Kimberly
Cape Coral, FL
When you buy catastrophic health insurance plan, you need to know the cost of the premium per month, quarter, and year. It is important to know the cost of the deductible and how much can you afford based on your income. Try to determine how extensive you want the coverage to be. It is also important to know if you will require prescription medications. Try to know if you can afford to pay for doctor visits out-of-pocket. It will also be important to determine if you get sick often and if you have any pre-existing medical conditions. Know also the lifetime annual benefit.
The types of health coverage will vary depending on what type of high-deductible health insurance plan you choose from your local insurer in Cape Coral Florida FL. There is one called Blue Cross Blue Shield which offers a catastrophic health insurance plan in most counties that is called ‘Essential’. This health coverage has deductible of $250 and an out-of-pocket limit of $2,500 after you’ve exceeded your deductible. The lifetime maximum for its policy holder is $1 million. The plan covers surgical, hospital, and X-ray expenses, but not other medical services such as doctor’s visits, prescription drugs, maternity care, and mental health visits.
Another ‘basic plan’ offered by Golden Rule Insurance Co. offers high deductible health insurance plan with prices ranging from $500-$5000 as deductible. This covers the same elements that the Essential plan covers but substance abuse and mental health and are not covered. The Basic Plan coves MRIs, CAT scans, hospital and surgical expenses, and more, as well as having a lifetime maximum of $3 million.
Tags: catastrophic health insurance, health insurance leads
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