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. 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.
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. In addition, most catastrophic plans, in comparison to comprehensive plans, have lower monthly premiums.
Three free primary care visits are covered by catastrophic plans each year, regardless if you reach your deductible or not. 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
These preventative services are beneficial for your health in that they will detect certain illnesses at early stages, furthering you from harm. 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.
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).
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. For more information about obtaining a catastrophic plan, please visit Healthcare.gov’s article here.
In 2006, the state of Massachusetts introduced health care reform in order to expand health insurance coverage and increase the amount of positive outcomes associated with patients’ health. Prior research has suggested that survival rates improve with patients who undergo traumatic injury. But, recent findings from JAMA Surgery show that just providing insurance incentives may not improve survival rate for these patients.
An article published by Medical News Today indicates that survival after a traumatic injury may be unrelated to one’s insurance background because technically each person who gets na injury has access to emergency care. The article describes a study conducted by Turner Osler, M.D., at the University of Vermont in Colchester, which details the state of over 1.5 million patients hospitalized after traumatic injury in the states of Massachusetts and New York. Massachusetts acts as the state having had health care reform and New York as the state without it. Over the course of 10 years the study examined the results of health reform in Massachusetts. According to Medical News Today:
“The rates of uninsured trauma patients in Massachusetts decreased steadily from 14.9 percent in 2002 to 5 percent in 2011. The authors also found health care reform was associated with a passing increase in the adjusted mortality rate that accounted for as many as 604 excess deaths during four years,” (Survival Rates in Trauma Patients After Massachusetts Health Insurance Reform).
Though these results showed that the Massachusetts health reform did not improve the overall survival rate for trauma patients, there are many arguments that suggest the health reform to be a success. For more information, read Medical News Today’s article here.