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Catastrophic Health Insurance

Looking for a health plan that covers life’s major emergencies? We can help. UnitedHealthOneSM plans offer catastrophic health insurance coverage, including a high deductible copay plan. These plans are great for people aiming to lower their monthly premiums.

What is catastrophic health insurance?

Insurance for big medical events is considered catastrophic health insurance or major medical insurance. Generally, it’s for people who either don’t go to the doctor often or aren’t concerned about paying for minor health care expenses out-of-pocket if they come up.

How Catastrophic Health Insurance WorksSuch major medical events could include
  • Heart Attack
  • Cancer
  • Trauma
  • Hospitalization
  • Surgery
  • And More
Catastrophic health plans are simple to use. You pay health care expenses until the deductible is met. Then, insurance starts to pay your covered medical bills.

For example, let’s say you purchase a catastrophic health plan. You rarely visit the doctor and can pay for routine medical bills, such as an ear infection or blood pressure check. Your coinsurance is 20%, which means after the deductible is met, you pay 20% of covered medical bills and we pay 80%.

However, an unexpected accident occurs, requiring surgery, an extended hospital stay and rehabilitation. These services can cost thousands of dollars and are likely much more than your deductible. To understand how catastrophic health insurance works, think of your medical expenses like a timeline.

Catastrophic Health Insurance Timeline

Advantages of Catastrophic Health Insurance

Catastrophic health plans have a lower monthly premium than our other insurance plans. Combine that with discounts available when you access UnitedHealthcare’s network, and you may find catastrophic health insurance to be an affordable option for you and your family.

Health Plan Options

A variety of UnitedHealthOneSM catastrophic health plans are available.
  • Saver 80SM: Offers the lowest premium of all our plans. Once the deductible is met, you pay 20% of covered expenses up to the maximum amount. Then we pay for the rest of what the plan covers. This plan does not have coverage for doctor visits or prescription drugs. It’s great for people wanting “just-in-case” coverage.
  • Plan 80SM: Offers a lower premium than Plan 100®. Once the deductible is met, you pay 20% of covered expenses up to the maximum amount. Includes a prescription discount card.
  • Plan 100®: Simple to use—you pay for medical expenses until the deductible is met. Then, insurance pays 100% of covered health care costs. Includes a prescription discount card.
  • Copay SelectSM: The higher deductible amount with the copay plan may make this a good insurance option for you and your family. Plus, you’ll have the convenience of a $35 copay for doctor office visits.

Extend Coverage with Critical Illness Insurance

Catastrophic health insurance does have a high deductible, which helps keep monthly health insurance premiums lower than other plan options. However, if you’re not comfortable with a high deductible amount, you can get Critical Illness Insurance. With this, you’ll receive a cash payment if a qualified medical event occurs, such as a heart attack or cancer. The amount of cash you receive depends on which maximum lifetime benefit amount you choose. Amounts are between $10,000 – $50,000. You can use the money to pay for groceries, mortgage payments or travel expenses. You can even apply the cash towards your deductible amount, which is helpful if you’re too sick to work.

Need More Information?

Call (800) 444-8990 to talk with one of our licensed Product Advisors six days a week. They’ll ask you a series of questions to help narrow your insurance choices and recommend a health plan that best fits your needs. You can also get an online quote in 30 seconds.
For costs, benefits, exclusions, limitations, eligibility, and renewal terms, call a licensed Product Advisor to discuss your health insurance options at (800) 444-8990.