Health insurance is essential for everyone. Unpredictable health issues can arise, and having health insurance ensures you get the help you need. Among various types of health insurance, catastrophic health insurance is one that offers several benefits for those without health insurance. If you’re interested in health insurance in Iowa, contact us at Brown-Hurst Insurance Agency Inc.
Covering High Medical Costs
Catastrophic health insurance is designed to cover high medical costs but typically doesn’t cover minor ones. This type of policy usually has a high deductible, meaning that only very expensive costs will be covered by the policy. Regular medical costs wouldn’t be covered by the policy, but they would count towards the deductible. If a medical expense is extremely high, it would meet the deductible and could be covered by the policy. Many healthy individuals opt for this coverage as a safety net in case of a severe injury or illness.
Lower Health Insurance Costs
One of the significant benefits of a catastrophic policy is its lower cost compared to a traditional policy with a lower deductible. Because the benefit is less likely to be used, it costs less. This type of insurance is popular among self-employed individuals on a budget.
Securing Health Insurance in Iowa
Health insurance is a necessity, as future health conditions are unpredictable. If you don’t have health insurance or are considering switching policies, we can help. To learn more, contact us at Brown-Hurst Insurance Agency Inc. in Iowa.
