A catastrophic health plan, also known as a high-deductible health plan, has lower monthly premiums but a very high deductible that must be met before most services are covered. These plans are best for young, healthy individuals who need basic preventive care but are unlikely to have many other medical expenses. Key features include a deductible usually over $7,300 for individuals and $14,700 for families, three free primary care visits before the deductible, and full coverage for preventive care services regardless of deductible status. Questions can be directed to the contact provided.

1. Tell me about…
The Catastrophic Plan
UNDERSTANDING HIGH-DEDUCTIBLE HEALTH PLAN: ALSO KNOWN AS A
CATASTROPHIC PLAN

2. Health Nut or Under Age 30
 If you are under the age of
30 and are in good health,
you can purchase a
catastrophic health plan.

3. What about Drs.?
You can go to any doctor Any in the
plan’s network; individual plans may
have additional rules on specialists.

4. What you get with the Catastrophic Plan
Lower
Premiums
Need less,
Use less!
Dr. Visits
3 primary care
visits before the
deductible applies
FREEEEE!
Free preventive
care, even if you
haven’t met the
deductible

5. What do I pay?
Premiums
 This is the cost you pay
each month for insurance
 A catastrophic health plan
has an average deductible
of $7,300 for an individual
and $14,700 for a family in
2018.
Deductibles
 After you reach that
deductible, the plan will
pay 100% of your medical
costs for covered benefits.
 High-Deductible Health
Plan can be combined
with or without a Health
Savings Account
Similar Plan
 Similar to a catastrophic
plan, you may be able to
pay less for your insurance
with a high-deductible
health plan (HDHP).

6. Ask me a question…
Message me: Linkedin
email me: acarrier@FinancialAndBenefitServices.com
Call me: 724-941-8772 (cell)