Marshall Said:

What is the best catastrophic health insurance plan?

We Answered:

I would encourage you to visit this website: www.healthsavings.ourperfectcard.com I signed up online over 5 years ago when I was in college and needed some coverage that was affordable too, in Texas. They have saved me thousands of dollars on all of my health services. From Medical, Vision, Dental, Rx...etc. They even had my very affordable benefits active in 2 hours and was able to use them the very same day. Good luck and Hope this helps

Juan Said:

Why can't we get catastrophic health insurance?

We Answered:

healthquotes.awardspace.info - here is my health insurance plan. As I remember they can provide such a service.

Debbie Said:

How much can I purchase catastrophic health insurance for?

We Answered:

You could try this Insurance Company:
http://www.nyig.com/products/inthealth/i…
They specialize in covering people going overseas. I use this Company myself for customers going on long term and short term trips abroad. You can get a quote yourself online and also take a look at what they offer. It's a great site.

Sara Said:

Question about purchasing catastrophic health care insurance?

We Answered:

You need a trusted adviser to help you through the process of purchasing health insurance so that you understand what you are purchasing. Ultimately, you are the one who determines the affordability of your health insurance plan by deciding how much you will participate in sharing the cost of your health care with your insurance company. You decide what the right balance is between affordability and policy benefits.

Because you are young, presumably healthy and probably don't often use the health care system you could consider a plan that covers only the major health catastrophe. This approach will result in a lower monthly premium. You then can use the monthly premium savings to pay for the occasional doctor visit or prescription and still come out ahead.

Check with the agent that writes your home or auto insurance he/she can provide you a health insurance proposal that takes into account your budget and health status. Ask your agent about about a high deductible health plan (HDHP) coupled with a health savings account (HSA). It is a tax advantaged plan because the funds contributed to the account are not subject to federal income tax at the time of deposit. The funds accumulated roll over year over year if not spent.

They can also answer questions as to what is and is not covered by the policy, explain deductibles and co-pays and show you the hospitals and doctors that participate in the network.

Some are going to suggest you go to their web site so that they earn a few pennies on a "click through". Some may suggest going on line to get a quote but you probably already know that there is much more to health insurance than price. Some might even "pitch" a discount plan that is not insurance at all. Use the Internet to educate yourself but use an agent to purchase the coverage.

Ryan Said:

Rather than creating forced universal health care, why not create catastrophic health insurance for the young?

We Answered:

That would make too much sense, and they wouldnt have more control

Yolanda Said:

Why can't we strictly get catastrophic health insurance?

We Answered:

you are correct to buy insurance these days you are often forced to over buy to get any thing. i use an employer sponsored plan and it contains at the lowest level they offer for employee only marriage counseling and well woman care and contraceptives. as a divorced man nearing 50 i am so glad that they kept these and charge extra for prescription coverage as of this year. so not being on any scripts i dropped that, 35 a month out of my check for prescriptions on a co-pay or buy my own antibiotic only if i get an infection do the math. one reason so many people wont buy insurance is it comes in too big of a package to fit them.