Catastrophic Major Medical Health Insurance in Texas offers many options. Catastrophic medical coverage is designed to handle the large medical expenses that can devastate an Individual or Family's finances. A large number of bankruptcies in the U.S. are the result of a sudden or unforeseen medical situation. Some companies, either without small group insurance or with financial constraints can also opt for Small Group catastrophic insurance for their employees. You can request a quote for either below or continue on for more detail on how catastrophic coverage can save you money.
Catastrophic health insurance options. There are three main types of catastrophic medical insurance plans:
Hospital only The least expensive plans tend to be hospital
only plans. They typically do not cover issues outside of a hospital or
outpatient prescription benefits.
High Deductible All Inclusive The next level of plans are high deductible plans for which most services (usually everything but preventative) are subject to the main deductible. The Health Savings Account - HSA qualified plans are an example of this type. The Health Savings Account offers additional tax benefits in addition to the premium savings of the high deductible insurance plan. You can find more information on the Health Savings Account.
High Deductible with Office Visits/Prescription The next level of plans typically have a high deductible but offer some sort of immediate benefits for office visits and prescription.
The monthly premium for Texas health insurance plans has increase significantly lately. As this trend continues, catastrophic coverage will make more and more sense...especially the Health Savings Account option.
As rates increase more quickly each year for full benefit HMO and PPO plans, the catastrophic, high deductible insurance plans will make become even more beneficial. It works very well for anyone in the 40's, 50's or 60's as premium increases with age. It also tends to work well with families. Again, the annualized premium savings vs potential out of pocket is the key comparison to make (read below).
Since the insured person is both paying the premium and receiving the benefits, it usually makes sense to look at a low cost, high deductible PPO plan that is comprehensive. Compare the annual savings in premium versus the Maximum out of Pocket possibility. If your savings in premium accounts for a sizable amount the potential out of Pocket maximum, then it might be a good decision. In a bad year (health wise), it's a wash. In a good to average year, you stand to save the annual premium difference. We would be happy to help with this health insurance comparison. We would be happy to help with this health insurance comparison.
Again, there is absolutely no cost to you for our services. Call 866-444-3332 Today!
|Single Person:||$11k - $47k|
|2 People||$16k - $63k|
|3 People||$20k - $79k|
|4 People||$24k - $95k|
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To Get Started
You can get the enrollment process started using any of the following:
Click on the Instant Quote link and provide census information. Stateside will respond with a proposal that outlines your various plan options with premium cost.
Call (866) 444-3332 (toll free) and speak with a licensed representative regarding your coverage, subsidy and enrollment questions.
Email Stateside at firstname.lastname@example.org with demographic information (date of birth, zip code and gender), and a proposal will be sent to you.
We'll quickly see if you have the best priced plan available and if you qualify for a tax credit866-444-3332
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