Catastrophic Health Insurance in Texas from Blue Cross Blue Shield
Posted on February 22, 2012 by Charles F Peeler Jr
You may have heard folks talking about “catastrophic health insurance” and you’re wondering what it is and if it’s right for you and your family. With the costs of medical care rising and premium rates increasing yearly, finding affordable health coverage can be a challenge and going uninsured is simply not an option. As a result, any way to save money on health insurance without sacrificing quality or benefits is welcome. Learn a little about catastrophic health insurance in Texas from Blue Cross Blue Shield and decide if this coverage makes sense for you and your family.
What is Catastrophic Health Insurance?
As the name implies, this plan is basically medical coverage that protects you from facing financial ruin in the event you need medical care. If you are uninsured and face a health emergency, it could mean financial devastation. Catastrophic health insurance inTexasensures that this scenario will never happen.
Generally, catastrophic plans have high deductibles in exchange for lower than average premiums. You pay most of your medical expenses up front as they apply to your deductible – except for preventive care- and when you reach your deductible, your plan pays all or most of the rest. These are major medical policies, not limited benefit plans- there is a difference.
Save Money with Catastrophic Health Insurance From BCBS
With catastrophic health insurance in Texas with Blue Cross Blue Shield, saving money is easy. Most traditional health insurance plans include out-of-pocket expenses like copays. That means every time you visit the doctor, you have to pay something- as much as $35. With a catastrophic plan, there are no copays at all. When you think about how many times you could visit the doctor in a year, this can add up to a significant savings.
Plus, as an added benefit, because there are less potential claims, a catastrophic plan from BCBS may not be as affected by nationwide increases in rates. This means that you can get the coverage you need without constantly worrying about premium increases and rest assured that all your preventive care benefits are covered.
Why Choose Blue Cross Blue Shield?
You have choices when it comes to health insurance providers, so why BCBS? With a solid reputation backed by decades of quality service and coverage people can rely on, BCBS of TX has proven itself to be the leader in health insurance. There’s a reason why most Texans choose them for their coverage- they’re simply the best. Don’t take unnecessary chances with your family’s health care. Stay with a quality provider like Blue Cross Blue Shield of Texas and rest assured that your family will have the coverage they need when they need it most.
Catastrophic health insurance offers tremendous cost savings over more traditional plans. If you’re young, healthy and expect to visit the doctor infrequently, this type of plan is the most cost efficient solution for getting the coverage you need at a price you can afford. With no doctor copays, a low premium and preventive care covered completely, there’s simply nothing else around that offers the same value and quality as a catastrophic plan from Blue Cross Blue Shield of Texas.
We also find these plans to be extremely popular in the over 50 age group. This group generally has no kids left at home and find their normal trips to the doctor only consist of their yearly routine physical exams meaning their monthly outlay for medical treatment to be low. With preventive care being covered 100% without a deductible these plans are a winner when if comes to an empty nesters budget offering savings in most cases of 30% over traditional doctor co-pay plans.
To summarize, if you are tired of high medical premiums, consider yourself a low usage as it relates to medical care or finding you are no longer getting benefits provided by an employer Catastrophic health insurance in Texas is the way to go for your medical policy.
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