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If you re currently unemployed and without health insurance or you have a job that does not provide you with health insurance coverage, you may need to consider getting yourself a catastrophic health insurance coverage plan. Catastrophic health insurance is setup to cover major health problems and normally has high deductibles and low monthly premiums.

With a catastrophic coverage health plan, you will normally have to pay out of pocket for doctor office visits and prescription drugs, but major expenses are covered. These types of expenses may include hospital stays, surgery, intensive care, lab tests and X-Rays. You will rarely find pregnancy and maternity care covered on these types of plans.

Catastrophic coverage may be purchased individually or as group plans. You will have to pass pre-existing medical condition screenings. This means coverage for conditions you had prior to getting coverage wouldn t be covered. A few examples might include diabetes, emphysema, heart disease and cancer ( (more...)

The expenses involved with owning a home can be overwhelming at times - routine maintenance, repairs, seasonal preparations, improvements. Not to mention taxes, fees, and all those monthly bills. Some homeowners, in trying to reduce their expenses, wonder if they really need disaster insurance.

Disaster insurance is typically defined as additional homeowner s insurance to cover events like hurricanes, tornadoes, earthquakes, and floods. Home insurance policies typically cover hurricanes and tornadoes (review your policy to be certain in covers damage from such events). But often damage from floods and earthquakes isn t covered. This extra insurance, if desired, must be purchased in addition to your standard homeowner policy, and it can be expensive, depending on where you live.

Because disaster insurance can be expensive, it s a type of coverage some homeowners opt not to buy. But in some cases they are required to buy. For example, mortgaged homes in the US that are located in designated fl (more...)