Catastrophic Health Insurance - Southern Plains Insurance Group

Prepare for the unexpected.

According to a study by the Kaiser Family Foundation (KFF), over half of the adults in the U.S. have health care debt due to medical or dental bills. And a fourth of those with medical debt owe $5,000 or more. If you want low monthly premiums and protection in case of an accident, injury or serious illness, consider catastrophic health insurance. 

A catastrophic health plan can be an affordable way to get coverage for larger hospital and surgical expenses. These plans usually come with lower premiums than other health insurance policies outside the ACA Marketplace. Keep in mind, though, catastrophic health insurance has high deductibles. Your Southern Plains Insurance Group health insurance agent will review your individual situation to help you decide if this is the right plan for you.

What Does
Catastrophic Health Insurance Cover?

A catastrophic health plan provides 100% coverage for most preventive medical services like annual check-ups, routine health screenings, flu shots, vaccinations and some forms of birth control. Depending on the plan, it may also cover a limited number of visits to a primary care provider (PCP). 

If you have a serious accident, injury or illness that requires hospitalization or surgery, a catastrophic health plan can help you avoid being left with huge medical bills. The important thing to know about catastrophic health insurance is that it doesn’t cover emergency services until you’ve reached your deductible.

Plan Features

  • Private PPO health insurance plan
  • Open network
  • No primary care physician needed

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Who Should Consider This Plan?

Catastrophic health insurance might be a good fit for you if:

You Want Low Monthly Premiums

In terms of monthly premiums, catastrophic health insurance is one of the lowest-cost plans for those who don’t qualify for a Marketplace health plan tax credits. Keep in mind, catastrophic health plans have high deductibles.

You Don’t Take Prescription Medications

A catastrophic health plan provides limited coverage for doctor visits. If you have a chronic health condition that requires regular doctor visits and prescriptions, a full coverage or doctor care health insurance plan may be a better fit.

You Meet Eligibility Requirements

To qualify for a catastrophic health plan, you need to be under age 30 or qualify for an exemption. Exemptions may be granted due to affordability or a personal situation such as homelessness, domestic violence, bankruptcy and more.


Southern Plains Insurance Group

Work With a Trusted Health Insurance Broker

With so many factors to consider, it can be difficult to know which type of health plan to choose. If catastrophic health insurance sounds like a good fit for you, contact us and we’ll make sure it’s truly going to be beneficial for you. Our licensed health insurance agents are your trusted partners who will help you compare options.

As a health insurance broker, we can check rates and coverage from multiple insurance companies. Then we’ll explain the different plans and how they’ll impact your total out-of-pocket costs. We’ll go over any questions you have, and then you can choose the plan that works for you.

If catastrophic coverage sounds like the right health insurance plan for your needs, request a personalized quote online or by calling (888) 873-8933.

Get a Health Insurance Quote

All information is 100% confidential and never shared with anyone other than a Southern Plains Insurance agent.

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