What is “Catastrophic” Coverage?

Catastrophic health insurance provides coverage for medical emergencies or accidents. It helps pay your medical bills in case you were badly injured an accident or suddenly got a serious illness.

Catastrophic plans are best for people who do not visit the doctor often, but want to be covered “just in case.”

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Why choose a catastrophic plan? They are among the most affordable options available.

Health plans for catastrophic coverage typically feature low premiums. That means you pay less every month to stay covered than other kinds of plans. But remember, these plans do have a high deductible — and you have to meet the deductible before the plan offers insurance coverage.

Catastrophic plans don’t always include coverage for preventive care. Without coverage for preventive services, you will have to pay out-of-pocket for routine care, such as a visit to your doctor.

Even if you don’t have coverage for doctor’s visits, you aren’t out of options.

As long as your catastrophic plan has a deductible of $1,100 for individuals or higher ($2,200 for families), you can open a Health Savings Account (HSA). With an HSA, you can save money tax-free to pay for expenses such as a doctor’s office visit.

Want to look at more options? Want an instant online quote? Use one of our insurance finding tools at GoHealth Insurance — the Instant Quote service, Click-To-Call service, the Plan Finder, or connect with multiple agents for competitive quotes.

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