Coverage You Should Consider

When the subject of health insurance coverage surfaces it is important for every family member to have the peace of mind that they are covered and insured, even if the only affordable coverage covers the most major of health crisis situations. If this is the case, you will find that there are both benefits and downfalls associated with only this type of coverage.

Benefits of catastrophic health insurance are many in the fact that it does help you to maintain continuity of coverage throughout the time that you have it which can help you to avoid preexisting conditions as well as allow you to get a reduced cost on all of your health care expenses. Those who have even minimal health insurance benefits actually get a reduced rate on most of their health care expenses under the health insurance company's reasonable and customary guidelines. These guidelines can save an individual thousands of dollars off on major health care expenses even before any payment is made. Another incredible benefit of catastrophic health insurance coverage is that it costs quite a bit less than major medical insurance but will still help to take care of the major necessary expenses that you may incur if you become seriously ill.

The down side to this wonderful catastrophic health insurance coverage is that it can be misleading. Many people use these, in the absence of employer based health insurance benefits and it does provide coverage in times of struggle even though the individual and family members might be in good health, however, many times people with this type of health insurance will avoid seeing the doctor for the obvious reasons.

Well visits are not a part of this type of health insurance nor are any routine doctor visits, even though there can be several serious health issues revealed as a result of these types of screenings. It is sad, but a fact that many with this type of health care coverage will only seek the help of a doctor or many times the care of a hospital only after the symptoms have become so bad that they are now in dire need of professional medical help asap.

Catastrophic health insurance is best when used as an addendum to a regular major medical health insurance plan or a PPO or HMO because this will help provide you coverage above and beyond what is being paid for by your regular health insurance policy. In situations where an individual or family cannot afford to pay for a full health insurance plan a catastrophic plan may be necessary to allow the family to stay covered until they can improve their financial situation.