Is there health insurance that just covers serious conditions like cancer and is affordable?
I’m 55 retired & uninsured. I’ve given up hope of finding affordable health care. Recently I needed surgery and had to pay for it myself. When I told my MD he cut his fee from $22,000 to $13,000) and when I needed an MRI I was able to get a "cash" price of $350 if I had insurance they would have charged over $2,000. At the time I was happy but doesn’t this illustrate why health care in the US is so screwed up?
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woj1s December 30th
You are looking for "Catastrophic Insurance". Catastrophic insurance is a type of fee-for-service health insurance policy that is designed to give protection against, well, a catastrophe. It has VERY low monthly premiums but has a high deductible.
This means that with this plan, routine doctor’s visits and prescription costs are more expensive, but monthly premiums are lower. So you take on more out-of-pocket expenses in exchange for lower premiums. If you’re healthy, you save money. But if something catastrophic happens (such as cancer), you’re covered.
Skrambler December 30th
Here’s a webpage that will explain everything about health care and insurance:
http://www.bargainmedicalcoverage.com
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