Health Insurance

How does a catastrophic health plan work?

A Answers (2)

  • A , 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.

    1 person found this helpful.
  • A catastrophic health insurance plan helps cover immediate medical needs after the deductible has been met. Immediate medical needs may include hospitalization, surgery, ICU, laboratory tests, and related medical care. Catastrophic health insurance plans usually do not cover preventive care, regular check-ups, or long-term care for a chronic illness. Catastrophic health insurance plans usually have an affordable monthly premium. The plan's deductible may be higher than traditional managed care plans.
Important: This content reflects information from various individuals and organizations and may offer alternative or opposing points of view. It should not be used for medical advice, diagnosis or treatment. As always, you should consult with your healthcare provider about your specific health needs.
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What is a catastrophic health plan?