Health Insurance

How does a catastrophic health plan work?

A Answers (2)

  • AMichael Roizen, MD, Internal Medicine, answered

    A catastrophic health plan provides financial coverage for immediate:

    - trauma care

    - hospitalization

    - surgery

    - ICU

    - lab tests

    Think of catastrophic plans as covering the BIG stuff -- but not the routine care needed for colds, flu, allergies or rashes.

    With a catastrophic plan, you may pay baritone bass loooow monthly premiums, but at the cost of soprano hiiiiiiigh deductibles.

    Helpful? 1 person found this helpful.
  • AUnitedHealthcare answered

    A catastrophic health insurance plan typically works by providing coverage of immediate medical needs after the person has paid the deductible. Immediate medical needs may include hospitalization, surgery, ICU, laboratory tests, and related medical care. Catastrophic health insurance plans usually do not cover health screening or preventive care, regular doctors' visits for ear infections or sinusitis or long-term care for a chronic illness. While catastrophic health insurance plans usually have very affordable monthly premiums, the plan's deductible can be higher than traditional managed care plans.

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What is a catastrophic health plan?