What is a catastrophic health plan?

Dr. Michael Roizen, MD
Internal Medicine

The catastrophic health plan is a high deductible health plan (HDHP) and a way of having immediate coverage for the “big stuff” -- like a sudden visit to the intensive care unit.

Generally, the catastrophic health plan allows you to have immediate coverage for hospitalization, surgery, ER or trauma care, ICU, and medical tests performed in the hospital without needing to cough up a lot of dough on a regular basis for monthly premiums. However, these plans only cover immediate (and sometimes very limited) care. Nothing else. You cover the full bill out-of-pocket for all other care (like a normal visit to your doc).

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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.