Unlike other items you purchase, when you buy catastrophic health insurance, you hope you never have to use it. However, emergencies happen all of the time. When you least expect it, you may need to use your catastrophic health insurance. Some medical problems you may encounter in life may be:

• Car accidents
• Chemical ingestion
• Heart attacks
• Strokes
• Slip and falls
• Choking
• Poisoning
• Snake bites

No matter what happens in your life, you need to be prepared. Of course, one of the ways is through catastrophic health insurance coverage. Here are some tips for what to do before and after a medical emergency.

Catastrophic Health Insurance: Steps To Take Before a Medical Emergency

When an emergency occurs, there may be little time to gather all of the information and supplies you need, so you it is important to be prepared. Here are some steps to take to prepare yourself for any type of medical emergency.

• Keep a list of all of your emergency numbers by the phone. Make sure you include the numbers for poison control, the fire department, the police department, ambulance, your family doctor, and the local hospital.

• Update your list of emergency person contacts and your catastrophic health insurance company number in your phone. Place the letters “ICE” before these numbers in your cell phone. ICE stands for In Case of Emergency and is a well-known acronym. If you have an emergency and medical personnel can not speak to you about your medical condition, they will be able to able to look at your cell phone and easily identify your emergency contacts.

• Keep a list of all of your medications in your wallet, including dosages, drug names, your doctor’s name and contact information, and regimen.

• Make sure to keep a list in your wallet of any allergies you have.

• Take a first-aid class so you are aware of how to apply CPR, perform the Heimlich, and apply bandages safely. This practice will keep you calm and focused in the event of an emergency.

• Purchase catastrophic health insurance. When an emergency occurs, the last thing you want to worry about is the bill. If you purchase catastrophic health insurance, you will be covered no matter what happens.

Catastrophic Health Insurance: Steps to Take After a Medical Emergency

When a medical emergency, here are the first steps you should take.

• The first step to take in a medical emergency is to remain calm, know what to do, and make the decision to act on that knowledge. Action can mean calling 911, splinting an injury, performing CPR, or applying pressure to the wound.

• Decide whether the emergency is life threatening or could become life threatening before you reach the hospital.

• If the injury is going to require the use of emergency medical technicians or paramedics, or the injury could become worse during the trip to the emergency room, you will need to call 911. Even if you can not speak, 911 is always the best option. Operators can trace your call to locate where you are.

• After you call 911, stay where you, or the victim, are unless you are in immediate danger. Individuals who have spinal injuries may be hurt even more if they are moved. Wait for the paramedics to arrive.

• If you are well enough to call your catastrophic health insurance company, give them a call and let them know what is going on. This may help speed up your paperwork and get you treated more quickly.

When something unexpected happens, make sure you are ready by purchasing catastrophic health insurance and following these emergency tips.

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Catastrophic Health Insurance – First Steps to Take After a Medical Emergency is a post from: Catastrophic Health Insurance Plans

Because of these factors, ratings firms have been developed to evaluate the various catastrophic health insurance companies to determine whether the companies are stable financially and able to cover the costs of their customer’s medical expenses for years to come.

How Catastrophic Health Insurance Companies are Rated

Many different organizations are responsible for rating catastrophic health insurance companies. Here are just a few.

• Standard and Poor’s
• Moody’s Investors Service
• A.M. Best
• Weiss Research
• Duff and Phelps

These organizations give consumers and idea of the financial status of the catastrophic health insurance company through their ratings. The rating is influenced by many different factors, including losses and gains, mergers with different companies, and financial decisions.

Rating companies don’t look at catastrophic health insurance companies one time and decide a rating. They continue to keep tabs on the company for as long as it is up and running. The rating may change as new factors are introduced into the equation, letting the company know what its strengths and weaknesses are. A high rating is always the goal of a catastrophic health insurance company because high ratings mean more customers. Low ratings alert a customer to bad companies and will drive potential customers away.

The actual way catastrophic health insurance companies are rated differs depending on the organization. For instance, Standard and Poor’s determines a company’s worth by their ability to pay the claims of their customers, while A.M. Best looks mainly at the company’s financial strength.

Why a Catastrophic Health Insurance Rating Is Important

There are several reasons these catastrophic health insurance ratings are so important for both the customer and the company itself. Here are just a few.

• A good rating will let you, as the customer, know that a company has the financial means to pay your claims should you suffer from an unexpected medical event.
• Good ratings mean that a company will be around long enough to meet your short-term and long-term insurance needs.
• Companies with great ratings are able to understand how they compare with other catastrophic health insurance companies in the industry.
• Ratings often determine whether a company is able to introduce certain product packages into the market.
• Ratings for catastrophic health insurance companies allow customers to determine exactly who they are handing their hard earned money over to. With a great rating, a company will be able to increase customer confidence, and, as a result, greatly increase their customer base.
• Ratings also help customers choose between different competitive companies on the market. A rating provides the customer with statistics and valuable information they need for choosing the best catastrophic health insurance available.

Before you sign up for catastrophic health insurance, make sure you know the company’s insurance rating. Every insurance company is not the same. Do your homework first.

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Purchasing catastrophic health insurance can be a difficult process for many individuals. While you may know that you want a low monthly premium and a high deductible, you may not have a clue what else to look for when purchasing this type of insurance. There are many factors to consider, and without a little help, you may not be getting the right bang for your buck.

Secrets For Finding The Right Catastrophic Health Insurance

If you want the best, consider the following secrets for buying catastrophic health insurance.

• Use an Agent- You may not have realized it, but it does not cost you any more to use an agent than it does to find catastrophic health insurance yourself. Insurance agents are paid like travel agents are, directly through the company. If you want to find the best catastrophic health insurance, use an agent who is honest and love their job. They will help you find the best insurance for you.

• Medical Savings Accounts- Many catastrophic health plans come with medical savings accounts, which enable you to save tax deferred money to use alongside your catastrophic health insurance should an emergency occur. This is an important aspect, because it means you don’t have to pay your entire deductible out-of-pocket. Before you purchase your insurance policy, make sure you ask your agent if a medical savings account is available.

• Shop Around- Don’t settle for the first quote you come across. There are many different insurance companies available these days, and each quote you receive will be different. The coverage these companies provide will differ as well, so make sure to take a complete look at what is offered, and what is not.

Catastrophic Health Insurance Resources

• Use The Web- The internet is a great place to find catastrophic health insurance. However, you need to make sure you are dealing with a legitimate company. Here are just a few tips for making sure you are purchasing from a great company.

• Obtain quotes from known companies. There are several well known insurance providers out there, such as Blue Cross Blue Shield, located at www.bcbs.com, and Aetna, located at www.aetna.com.
• Find out what the Better Business Bureau has to say about the company. You can find information at www.bbb.org.
• Visit www.eegroup.com for a complete list of reputable health insurance companies in the United States.

• Consider Your Health- When it comes to catastrophic health insurance, you must consider your current health. Will you need to visit the regular doctor or obtain prescriptions often? If so, you will need to find a health plan that allows you to purchase additional riders for this type of coverage. Look around and see if prescription or regular doctor visit or preventive care riders are available and check out the costs. Since you are purchasing this type of insurance, you will more than likely want a low cost rider along side your low monthly premium.

When it comes to purchasing catastrophic health insurance, make sure you know how to find the best providers, because your health depends on it.

5 Secrets To Purchasing The Best Catastrophic Health Insurance is a post from: Catastrophic Health Insurance Plans

Many individuals resort to purchasing catastrophic health insurance when they can not afford a regular full coverage insurance policy. While some may view this type of insurance as a burden, due to the out-of-pocket expenses, it can actually be a blessing. Catastrophic health insurance allows you to see what you really pay for your health care.

The Problem With Full Coverage Insurance vs. Catastrophic Health Insurance

If someone were to give you their credit card, tell you there was no limit on it, and you could spend as much as you wanted in an effort to renovate your entire house, what would you do? You could do anything you wanted, like purchase new furniture, replace your carpeting, and install new plumbing. Even if you used the credit care on only practical items, the fact that someone else is stepping up to pay for everything is going to greatly affect your choices.

That leaky faucet in the kitchen you have been dealing with for the last ten years could be fixed, along with that hole you made in the wall when you first moved your couch into the living room. If you had to pay for these expenses, you might not spend the extra money on these problems.

Full coverage health insurance works the same way. You are given a small co-payment or co-insurance, of course, but after this small payment and your deductible, your entire health care costs are placed in the hands of a third party. You have no idea what the insurance is paying for. All you know is it is being paid by someone else, and, like most individuals, you don’t worry about the overall cost.

With catastrophic health insurance, you are given a chance to truly see what your health care costs. This gives you the opportunity to make an informed decision about whether you really need to visit the doctor or not.

Catastrophic Health Insurance – The Hidden Costs of Health Care

If you have purchased catastrophic health insurance, chances are you are a little more frugal with use the health care system. You may only go to the doctor for yearly check-ups or when you are really and truly sick, because you have to pay for this expense from your own pocket.

It probably never occurred to you, though, that you may be spending a lot less on your catastrophic health insurance than those who are fully insured, did it? Money.cnn.com produces some staggering statistics on the amount of money individuals actually pay for health care.

• The hidden costs of health care add up to about $363 billion. “Hidden costs” often refer to time spent off work, caring for loved ones who are sick, ambulance services, alternative medicine, and nutritional products.
• This averages out to about $1,355 per person, which is added to the already estimated $8,000 every individual spends on health care.
• The average income in 2010 dropped 1.9%, while the cost of health care increased 6%.

Is Catastrophic Health Insurance the Answer

Catastrophic health insurance means lower premiums and care for when an unexpected event occurs in your life. With catastrophic health insurance though, you are in charge of the rest of the care you need. You get to decide if you truly need to visit the doctor for that runny nose or if you can just tough it out with a little cold medicine.

So the big question is: Would you spend less on your health care if it meant you had to pay for it yourself? Would you pick what care you needed instead of running to the nearest doctor’s office every time you had a little cold, just because someone else was paying for most of the bill? When individuals pay for their own care, they are more likely to be conservative and spend less.

With catastrophic health insurance, you could not only save money through low monthly premiums, but save money on a much larger scale by reducing the amount of health care you receive.

For more information on catastrophic health insurance, hidden costs, and how catastrophic health insurance can meet your needs, continue to follow our website.

How Catastrophic Health Insurance Can Save You From Hidden Health Care Costs is a post from: Catastrophic Health Insurance Plans

Catastrophic Health Insurance Scams?

Catastrophic health insurance scams are not new. Scams have been around since health insurance began, and scammers are now taking advantage of the current state of the economy. According to the Coalition Against Insurance Fraud, Americans spend approximately $2 trillion dollars a year on health insurance. $68 billion of this amount goes to insurance fraud. If you are interested in purchasing catastrophic health insurance, make sure you understand how to tell the real thing from a scam.

Signs of a Catastrophic Health Insurance Scam

It can be extremely difficult at times to identify a catastrophic health insurance scam. Here are some tips that may make it a bit easier though.

• Hard To Understand Paperwork- Many fake catastrophic health insurance companies don’t want their policies to appear immediately fake. For this reason, they make their explanation of benefits very difficult to understand so policy holders aren’t sure what medical bills they must pay for and how much their insurance really covers. The paperwork is so confusing sometimes individuals don’t notice that the word “insurance” can not be found anywhere. Be careful when purchasing any type of insurance; make sure you are really covered before you sign on the dotted line.

• Automatic Coverage- Scam companies often guarantee you coverage no matter what. For this reason it is important to research information about catastrophic health insurance before you purchase a policy. Your research will inform you what type of coverage you can expect from this type of insurance. This will help you identify when an offer of insurance sounds a little too good to be true.

• Low Cost- The best part about catastrophic health insurance is its low monthly premiums and high deductibles. However, if the cost is too low, this may help you identify a scam. Average deductibles for catastrophic health insurance range from $1500 to $3000. If the deductibles are lower than this, you may want to do a little more research on the company and see if you are being ripped off.

• Cash Up Front- Some fake companies ask for premiums to be paid up front for the entire year in cash. This is one way these companies avoid being traced by fraud bureaus. A real insurance company will offer you several different payment options and will usually allow for monthly premiums.

What Do You Do If You Are Caught In A Catastrophic Health Insurance Scam?

The most important step you can take if you find yourself caught in a catastrophic health insurance scam is reporting it as soon as you can. Contact your state’s attorney office to see if your state has its own fraud bureau. You can also find a list of names, numbers, and addresses for states with their own fraud bureau on the Coalition Against Insurance Fraud’s website, located at www.insurancefraud.org/fraud_bureaus.

You can also contact the National Insurance Crime Bureau at 1-800-835-6422. It may also be helpful to get in touch with your state’s medical board and chiropractic board to let them know a scam has been committed. Make sure you are ready to give these individuals as much information as you can. You may need to provide:

• Type of scam that was committed
• Date of the scam
• The name, address, and phone number of the insurance company who committed the scam
• Names of the individuals involved in the scam
• Documents of your “insurance” and other necessary paperwork

Catastrophic health insurance scams can become a big problem if you don’t know how to properly identify them. Make sure you research every company before you decide to buy a policy.

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Catastrophic health insurance can be the ideal alternative to full coverage insurance. It provides you with emergency coverage with a low premium and a high deductible. However, there are a few aspects of full coverage insurance that catastrophic health insurance does not provide for unless an additional cover is purchased.

Living Healthy With Catastrophic Health Insurance

Unless you decide to purchase a cover, most catastrophic health insurance plans do not provide for regular doctor’s visits, checkups, and prescriptions. If you want to keep the cost of your health insurance down, purchasing these covers may not be an option for you. So it is important to make sure you stay healthy while you have catastrophic health insurance. Easy ways to stay healthy and avoid paying out of pocket for a doctor. Better than catastrophic health insurance is improved health.

• Eat Healthy- Everyone knows staying healthy depends on eating a diet full of vitamins, minerals, and the right foods, but did you know there are foods that can actually fight illnesses? Take an apple for example. This delicious fruit contains vitamin C, boron, and vitamin A, which help to reduce cholesterol and decrease the risk of cancer. They also contain anti-bacterial and anti-viral qualities, which will help you stay healthy. Broccoli is a vegetable containing antioxidants, which lower blood pressure and increase blood flow. Salmon, and other specific types of fish like tuna, contain omega-3 fatty acids, which lower the risk of heart attacks. It also stimulates brain function and reduces asthma and blood pressure.

• Exercise- Along with a healthy diet, exercise is important if you want to remain healthy while on catastrophic health insurance. Take time to exercise for at least twenty minutes a day, three times a week.

• Avoid Using Substances That Could Jeopardize Your Health- Certain substances, like alcohol, illegal drugs, and cigarettes can put your health at risk and can result in addiction, illness, and injury. Avoid them at all costs.

• Choose Your Partners Carefully- While most individuals don’t think about their sex life when they are trying to live healthy lives, it is an important topic that should be discussed. An unhealthy or inappropriate sex life could lead to sexually transmitted diseases or pregnancy, both of which will require a regular visit to your family doctor. If you want to avoid paying out of pocket for these medical bills, you may want to consider abstaining from sex until you can purchase full coverage insurance.

• Checkups- Sometimes you need to spend a little money to save a lot of money when using catastrophic health insurance. This is true when it comes to annual checkups with your doctor. While it may seem like you could avoid yet another expense by skipping these checkups, they can actually save you money in the long run. Women should also visit a gynecologist once a year for a pelvic exam, pap smear, and breast exam. These tests will help detect cervical cancer and other problems, like breast lumps.

While you may not be covered for every medical problem when using catastrophic health insurance, it will be a lifesaver in the event of an emergency. In the meantime, save money by maintaining a healthier lifestyle. For more information on catastrophic health insurance, continue to follow our website.

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Catastrophic Health Insurance: What Pre-Existing Conditions Are Covered?

When it comes to catastrophic health insurance, one of the biggest roadblocks individuals come across is pre-existing conditions. These conditions are previously treated illnesses, diseases, injuries, or physical conditions. Typically, a condition is considered to be pre-existing if it has been treated by a doctor or with prescription medications within the last six months before applying for catastrophic health insurance.

Many catastrophic health insurance plans do not cover pre-existing conditions, and this can be detrimental, especially if you have a serious condition such as cancer or heart disease. Even though these illnesses may be considered pre-existing, you still want to receive the proper health care for them.

When you first begin thinking about pre-existing conditions, there are several aspects to keep in mind.

• Is It Covered- Check the fine print on your catastrophic health insurance plan. Some pre-existing conditions are covered, while others are not.

• Coverage Time Limit- While certain conditions may not be covered at first, that does not mean they will never be covered. Take Aetna catastrophic health insurance for example. Their high deductible plan does not cover pre-existing conditions for the first 12 months you have the insurance. However, after this time period has elapsed, you will be covered for these conditions and can seek medical treatment.

• Alternatives- If your pre-existing condition is not covered at all or is only covered after a certain time limit you may need to consider alternatives to help supplement your health care. Does your employer provide health insurance through the company you work for? Some other types of insurance may cover your pre-existing illnesses until your catastrophic health insurance can take over.

Why Choose Catastrophic Health Insurance?

Even if your choice of catastrophic health insurance provides little to no coverage for your pre-existing conditions, it may still be the right health insurance for you. Many times, you can set up what is known as a Health Savings Account (HSA). With an HSA, you can regularly deposit money into the account. If your pre-existing condition demands treatment during the time period in which you are not covered by your high deductible insurance, you can withdraw the money you have saved up in your HSA account to pay for your medical bills.

While the money is still technically from your own pocket, because you have saved it up, it won’t seem like you are taking a huge chunk out of your wallet. You will have the money you require for your health care needs.

When you need the best health insurance coverage for those unexpected events, choose catastrophic health insurance. Be careful though, and make sure you can obtain coverage for your pre-existing conditions.

Catastrophic Health Insurance: What To Do About Pre-Existing Conditions is a post from: Catastrophic Health Insurance Plans

Catastrophic health insurance can be an essential aspect for your health care, even if already have basic health insurance. Many individuals make the mistake of thinking their regular health insurance covers every single illness they may come across. The unfortunate truth is, many of them don’t. That is why there are insurances like long term health insurance, cancer insurance, and catastrophic health insurance. Without this additional coverage, you may find yourself in debt should an emergency occur.

The Benefits of Supplemental Catastrophic Health Insurance

It may come as a shock to you that every illness you may encounter may not be covered by your regular health insurance policy, but it should be a call to action. What would happen if you or your loved one had a stroke, developed cancer, or suffered from any unexpected illness? Would your regular insurance cover the variety of the hospitalization, prescriptions, and tests you need for these illnesses?

How likely is it that you might need catastrophic health insurance for these purposes? Here are a couple of sobering statistics.

• According to the 2011 statistic provided by the American Cancer Society, approximately 230,480 cases of invasive breast cancer were expected to occur this year for women. 2,140 were expected for men.
• The American Cancer Society also states that colon and rectal cancer are expected to raise two and half to three percent this year.
• According to the 2011 statistical update by American Heart Association, one American suffers from a coronary every 25 seconds. And every minute, one individual dies from coronary problems.
• The American Heart Association also states in their 2011 statistical update that during 2007, 1 in every 9 death certificates stated heart failure as the cause of death.

So what do you do if your insurance doesn’t cover these situations? Do you go into debt and end up filing bankruptcy or losing your home? Do you do without the proper health care? No. If you want to be prepared for the worst, you need to begin considering catastrophic health insurance.

How Catastrophic Health Insurance Will Work For You

Even if you already have another insurance policy, whether it is personal or work related, you may need additional coverage. Some insurance policies don’t cover prescription medications, long term health care, or even extended hospital stays. You may only be able to go to a certain doctor as well, so if you are out of town or out of state, your insurance may not cover any medical expenses.

With catastrophic health insurance, you won’t have to worry about what is covered and what is not. It is clearly laid out for you. Any emergency situation that calls for a visit to the emergency room or hospital admission is covered. Catastrophic health insurance also has riders, which provide you with the prescription, regular doctor’s visits, and maternity care you need. Any needed tests are covered as well, so you never have to worry about paying for your own x-rays.

While catastrophic health insurance may not be the solution for your full-time health coverage, it can help you greatly with supplemental care. If you have an emergency and your regular health insurance does not cover it, you will want this additional safeguard of catastrophic health insurance to be there for you.

Supplementing Your Health Insurance With Catastrophic Health Insurance is a post from: Catastrophic Health Insurance Plans

Why College Students Rely on Catastrophic Health Insurance

There are a couple reasons that college students rely so heavily on catastrophic health insurance.

• They can no longer qualify under their parent’s health insurance- The age limit for children to qualify under their parent’s health insurance differs depending on what health insurance the parent’s have purchased. It typically varies from age 18 to age 26. While some health insurance companies allow for dependent coverage as long as the individual is living in the home or is in college, some do not. If a student no longer falls under the qualifications of their parent’s insurance, catastrophic health insurance can be a low cost option.

• Students may no longer qualify for government provided health coverage- Many states have government health insurance in place for children of low-income families up to the ages of 18 to 25. The specific ages for each state vary though, as do the requirements for health coverage. Income, age, and living situations can play a huge role in determining whether a student is covered while they attend college.

• College students may not be able to afford full coverage health insurance- Many college students these days are already in debt with student loans. They often work part-time to help cover living expenses, as well as these loans, while they are attending school. With little income, they often can not afford to purchase full coverage health insurance and must either choose cheaper policies like catastrophic health insurance or go without insurance.

Benefits of Catastrophic Health Insurance

Many college students may not fully understand the massive debt a catastrophic illness could cause, and so choose to live without the protection of catastrophic health insurance. This is a big mistake. Without catastrophic health insurance, or any type of insurance at all, students will not only be subjected to a massive medical debt if an emergency occurs, but might not receive the adequate health care they need.

With catastrophic health insurance, students receive coverage:

• Inpatient and outpatient surgery
• ER visits, with or without admission to the hospital
• Needed diagnostic tests such as x-rays, MRIs, and CAT scans
• Emergency ambulance rides and lifeline air support
• Hospital stays

They may also be eligible for prescription riders, riders for doctor’s visits, and maternity riders. With catastrophic health insurance, all of this coverage is provided with an affordable low premium each month and a  high deductible.

Catastrophic health insurance is a necessity for any college student. Without it, students may not receive the care they need in the event of an emergency. With it’s low monthly premium, catastrophic health insurance is the perfect solution for students who can not afford their own full coverage insurance plan and no longer qualify for government or family insurance.

College Students and Catastrophic Health Insurance is a post from: Catastrophic Health Insurance Plans

Hospitalization Only vs Catastrophic Health Insurance

With advancing medical care, hospital stays are growing shorter and shorter. Some of the procedures that only a few years ago would have called for a two day stay in the hospital are now being done as outpatient procedures. So what do you do when you want a great health insurance policy that can provide you with coverage during these times? You turn to catastrophic health insurance.

Many individuals purchase hospitalization only insurance because of its low premium, and a high deductible. Most of these policies come with a $1,000 deductible, which is great when you need coverage for hospital stays. However, there are a few downfalls to this type of insurance.

Hospitalization Only

• Only inpatient hospital stays are covered
• Riders can typically not be added to help with doctor’s visits, prescription medications, and maternity care
• If you require x-rays or an outpatient surgery, you will not be covered under this type of insurance.
• ER visits that do not lead to admittance are generally not covered

These restrictions can cause huge problems and lead to costly medical bills if your emergency situation does not call for an inpatient procedure or stay. Many times, you are sent home before you are fully healed from an in patient procedure. Without prescription coverage, you may not be able to afford the medications you need to rest comfortably and heal properly.

Catastrophic health insurance is usually a much better solution, especially if you are looking for a low cost insurance policy with a high deductible plan. Deductibles range from $1,500 to $2,500, but you are covered for many more procedures, tests, and visits than you are with hospital only care.

You will be covered for:

• Inpatient hospital care
• Needed x-rays, cat scans, and other diagnostic tests
• Outpatient surgeries
• Emergency room visits, with or without admittance to the hospital
• Ambulance rides
• Emergency maternity care

Catastrophic Health Insurance

Catastrophic health insurance provides more than low premiums and hospital care. Many catastrophic health insurance plans also offer riders, which allow you to add on the coverage you need. You may be able to add a rider for doctor’s visits, allowing you to see your regular physician when you need to with only small co-pays. Some catastrophic health insurance plans also provide prescription riders, which will help you pay for your high cost prescription medications after you leave the hospital. Others offer even more coverage by providing you with a maternity rider, which will help you make sure your unborn child is well taken care throughout your pregnancy.

Catastrophic health insurance and hospital only insurance are two completely different types of insurance policies. Before you sign up for either one, make sure you know what these differences are so you can be fully covered in the event of an emergency.

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Is there a Difference Between Catastrophic Health Insurance and Hospitalization Only Insurance? is a post from: Catastrophic Health Insurance Plans