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High deductible catastrophic health insurance? - Open Knowledge — LiveJournal

Jul. 25th, 2006

11:23 am - High deductible catastrophic health insurance?

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I'm in the market for a high deductible ($2500 - $5000) catastrophic health insurance plan. Anyone know of such a plan that they would recommend?

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From:jonathankaplan
Date:July 25th, 2006 03:42 pm (UTC)
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I had been searching for exactly that for over a year. For various medical reasons, I was denied coverage multiple times. The third (and later) times, all I was looking for was hospital insurance, only covering something very large. HSA or not, whatever terms the insurance company wished, all I wanted to protect was the possibility of a long hospitializaion.
No company in the US offered that kind of insurance, that I could find. There were a few in Europe, but they didnt take US clients.

Fortunately the good people at Nationwide recently took me under their wing and are protecting my family from a catastrophic type bill if I get struck by a car or something. They wouldn't sell me just that limited coverage, though, they insisted that I buy more complete coverage. Okay, whatever, I'm just glad that a major accident won't cripple our finances.

If you don't have any major medical issues, if you go for the highest deductible HSA type plan, you should be able to get what you want pretty cheaply, but they won't sell you JUST the catastrophic component of the insurance by itself, I am pretty sure. If you find a company that does that in the US, I'd really like to hear it. They all want to sell more comprehensive plans, I believe.
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From:crasch
Date:July 25th, 2006 03:56 pm (UTC)
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Thanks! I don't have any major medical issues (knock on wood). If I find someone that sells just the catastrophic insurance, I'll let you know.
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From:aldoushuxley
Date:July 25th, 2006 04:32 pm (UTC)
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You can get online quotes at Blue Cross/Blue Shield.
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From:resipisco
Date:July 25th, 2006 05:59 pm (UTC)
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I second checking out Blue Cross. I have something similar to what you're looking for through them.
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From:perspectivism
Date:July 25th, 2006 08:45 pm (UTC)
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Ditto!
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From:crasch
Date:July 25th, 2006 10:03 pm (UTC)
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Thanks!
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From:crasch
Date:July 25th, 2006 10:03 pm (UTC)
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Thanks!
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From:pjammer
Date:July 25th, 2006 09:40 pm (UTC)
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I set up a few high-deductible insurance plans for single/couples in CA - basically, they come in a few flavors and offer routine checkups, but for health-related expensese under $4k/8k, you're on your own.
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From:crasch
Date:July 25th, 2006 10:06 pm (UTC)
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Thanks! Which company did you use?
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From:pjammer
Date:July 25th, 2006 10:19 pm (UTC)
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Blue Shield & Blue Cross - but here's the thing: insurance plans are approved on a state-by-state basis, so while I know the details of the CA plans I set up, it may not map directly over to what's available in NC.

I can make a few calls and ask about NC, but every state has different sets of HD plans tailored to different needs.

I'll email you my mobile num if you wish to chat more about specifics.
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From:waitingforoct
Date:July 25th, 2006 10:46 pm (UTC)
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What's available depends on your state. Check www.ehealthinsurance.com.
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