A catastrophic health plan, which emphasizes coverage for hospitalization or serious illness, may be the best option if you are under age 30 or qualify for an exemption due to extreme financial hardship or cancellation of your plan because it does not comply with the health care law.
Like all Independence Blue Cross health plans, the catastrophic health insurance plan* includes the ten Essential Health Benefits, but will have a higher deductible and a lower monthly rate than the platinum, gold, silver, or bronze plans. Individuals will have to reach a deductible of $6,660 before they receive benefits for covered health care services, while families will need to pay a deductible of $13,200 before they receive benefits. If you select a catastrophic plan, you will get three primary care physician office visits each year that are not subject to the deductible.
Review important information to get a better understanding of our individual and family health insurance policies and guidelines and the steps we take to help you receive appropriate covered services.
* Personal Choice Catastrophic plan does not have out-of network coverage, except for emergency care services.