How to Get Cheap Major Medical Insurance in Florida

What is major medical insurance?





Major medical insurance, also known as catastrophic health insurance, is insurance that pays for major emergency medical and hospital expenses. It does pay for routine medical care such as doctor visits, maternity care, or prescription drugs.





What does major medical insurance cover?





Basic major medical insurance plans cover surgical costs, hospital expenses, intensive care fees, diagnostic procedures, MRIs, CAT scans, and X-rays. If you have a pre-existing condition like heart disease, diabetes, emphysema, multiple sclerosis, or AIDS, you probably won't qualify for major medical insurance.





These plans usually have a maximum benefit amount of between $1 million and $3 million, after which your insurance company will not pay for your medical expenses and your policy becomes void. Deductibles - the amount of money you pay toward claims before your insurance company will pay - are between $500 and $5,000.