Stephen Geri describes what a catastrophic health plan is and whether or not you are eligible to sign up today.

1. H E A LT H I N S U R A N C E I N F O R M AT I O N :
C ATA S T R O P H I C H E A LT H P L A N S
C R E A T E D B Y S T E P H E N G E R I

2. • If you are under the age of
30 and have hardship
exemptions, you are most
likely eligible to buy a
catastrophic health plan,
which protects you from
very high medical costs.

3. • Many people buy this type of health insurance to protect them
from worst-case scenarios that can happen at any given moment,
such as a serious accident or illness.

4. • Catastrophic health
insurance plans require
you to pay a certain
amount of your medical
costs, also known as
deductibles. Once you
have reached the
deductible, the
catastrophic plan will
generally pay for the rest
of your essential health
benefits.

5. • In addition, most catastrophic plans, in comparison
to comprehensive plans, have lower monthly
premiums.

6. • Three free primary care visits are covered by
catastrophic plans each year, regardless if you reach
your deductible or not.

7. There are also many free preventive services that the plan covers, such as:
• Alcohol Misuse screening & counseling
• Aspirin Use (to prevent cardiovascular disease)
• Blood Pressure screening
• Cholesterol screening
• Depression screening
• Diabetes screening
• Diet counseling
• HIV screening

8. • These preventative services are
beneficial for your health in that they
will detect certain illnesses at early
stages, furthering you from harm.

9. • The sooner a disease
is caught or
prevented, the
sooner you will have
access to resources
that will improve the
state of your health
so you can live the
highest quality of life
possible.

10. • Another important fact to know
about catastrophic health plans
is that you will not be able to
lower out-of-pocket-costs or
earn premium tax credits
based on your income.
• Healthcare.gov notes,
“Regardless of your income,
you pay the standard price for
the catastrophic plan,” (About
Catastrophic Health Insurance
Plans).

11. • In conclusion, you
should learn if you
qualify for a
catastrophic health
plan by filling out a
Marketplace
application, which will
then give you an
eligibility notice.

12. • For more information about obtaining
a catastrophic plan, please visit
Healthcare.gov’s article here .