If your employer does not offer health insurance or if you just do not want to pay for coverage you do not need, it may be a candidate for a health plan called "catastrophic", sometimes also called the plan "major medical insurance".
Catastrophic health insurance is characterized by high deductibles and low monthly premiums. These plans typically cover only major medical expenses and hospital beyond a certain deductible, while you pay out of pocket all else, such as doctor appointments, lab and drugs.
Most catastrophic health plans cover the cost of hospital stay, surgery, intensive care, diagnostic X-rays and laboratory tests.
Catastrophic health insurance is characterized by high deductibles and low monthly premiums. These plans typically cover only major medical expenses and hospital beyond a certain deductible, while you pay out of pocket all else, such as doctor appointments, lab and drugs.
Most catastrophic health plans cover the cost of hospital stay, surgery, intensive care, diagnostic X-rays and laboratory tests.
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