When shopping for health insurance, be aware of the differences between lost cost health insurance plans and cheap plans with little coverage.<\/p>\n
When thinking in terms of low cost health insurance plans, catastrophic health insurance usually comes up for discussion. That kind of coverage reduces rates by covering major medical bills only but still offers a very reasonable premium. You can also get short-term temporary plans that feature catastrophic coverage rather than routine medical expenses.<\/p>\n
Coverage offered under catastrophic health insurance policies usually includes surgical costs, anesthesia administration, lab tests, X-rays, ER charges, in and outpatient bills and professional fees for health care providers. Now and then, you will run across a policy that includes preventive benefits. However, most of these plans do not pay for items like drug prescriptions or office visits. On the rare occasion that a catastrophic plan does offer limited office visit benefits, there is typically a deductible applied.<\/p>\n