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Catastrophic Health Coverage
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Catastrophic health insurance coverage is typically sought by individuals and families who do not really want to carry the expense of health insurance, but recognize that it is important to have in the event of a catastrophic accident or injury.
Catastrophic coverage is generally characterized by high-deductibles, low monthly premiums and coverage for doctor's visits and prescription drugs are paid out of pocket by the enrolled member.
Individuals who purchase catastrophic coverage tend to be very healthy, and don't utilize medical care often.
