How can I qualify for a catastrophic plan?
Who is this for?
If you're looking for low-cost health insurance for individuals and families, this explains the requirements for purchasing a catastrophic plan.
Beginning in 2014, almost everyone in the U.S. is required to have health insurance. If you have insurance through your employer, you're all set. If you buy your own insurance, you may be eligible for subsidies that make it more affordable. More people will also qualify for Medicaid.
Don't have insurance through an employer? Don't qualify for Medicaid? Think you can't afford insurance? A catastrophic plan may be an option for you.
What's a catastrophic plan?
Catastrophic plans have low monthly payments but a high deductible. They're called catastrophic because they protect you from catastrophic medical expenses.
How? A deductible is the amount you pay for health care services before your health insurance company starts to pay. Although our Blue Cross® Value (catastrophic) plans have a high deductible, once you meet it we pay 100 percent for most services. When you consider that medical treatment for a serious illness or accident can cost thousands of dollars, you can see why a catastrophic plan is better than no insurance.
Here's a few other things you should know about catastrophic plans:
Who can get a catastrophic plan?
Under health care reform, you qualify for a catastrophic plan if:
- Everyone covered by the plan is under 30
- Or you're over 30 and you meet certain low income guidelines
How do I get a catastrophic plan?
You can start by checking out our catastrophic plans on bcbsm.com. If everyone that will be covered by your plan is under 30, select Get a Quote to get a price and apply.
If you're over 30 years old and want to see if you meet the low income guidelines, call one of our health plan advisors at 1-855-237-3501 and they'll help.
- How can I lower my monthly health insurance cost?
- How can I know I'm purchasing the right health insurance plan?
- Individual and family health insurance - check out our MyBlue℠ plans designed to fit your health care needs and your budget.