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Many Americans live day to day without health insurance. And while the cost of routine medical care won’t ruin most of us financially, the expense of a catastrophic illness certainly could.

If you’re looking for low insurance premiums but want coverage that picks up the tab when it comes to major medical concerns, a catastrophic health insurance policy might be just what you need. Read on for more information about this cost-saving health insurance strategy.

Take Charge of Your Health

Also known as “high deductible” or “major medical” insurance, catastrophic health insurance is designed to protect you from ruinous medical costs while encouraging you to shop wisely for routine health care.

Here’s how it works:

As you can see, catastrophic health insurance leaves the choice in your hands. You make the choices that fit you and/or your family best; your insurance company rewards you for taking on a measure of additional financial risk.

It’s just that simple!

A Money-Saving Choice

Choosing a catastrophic health insurance plan can drop your premiums significantly: as much as 25 to 50 percent.

How? By agreeing to cover the expense of your own routine health care costs, like doctors’ visits, medications and such, you lessen the financial impact to your insurer, and that, in turn, lowers the cost of your health care.

Meanwhile, you’re empowered to live a healthy life, take care of yourself and seek treatment only when necessary, cutting avoidable expenses from your budget, and who among us can’t afford to do a little more of that?

Serious Coverage

So what is covered under a catastrophic health insurance policy?

Depending on the policy you choose, medical procedures that can help diagnose, avoid or eliminate catastrophic illness are generally covered. This includes medical processes such as x-rays, hospital visits, lab tests, surgery and intensive-care stays, to name just a few.

And what isn’t covered? Usually, more routine events such as doctors’ visits, medications, prenatal care and some preexisting conditions are excluded from catastrophic health insurance plans.

Keep in mind there are always exceptions. So if your employer doesn’t offer health insurance coverage or you don’t want to pay for health coverage you really don’t need, speak with a qualified health insurance agent. There are many high-deductible plans to choose from, and it certainly never hurts to know your options!

Shopping Tips for the Novice

Before you buy a catastrophic health insurance plan, reflect on these questions, while comparing policies, to help you decide if this type of protection is well-suited to your and/or your family’s needs:

Shop Your Rates!

Don’t let the sometimes unsettling cost of health insurance leave you unprotected. Consider a catastrophic health insurance plan, shop your rates, and lower your premiums.

It’s a great way to save on health insurance, without sacrificing essential coverage!

Including all 50 States:

Alabama AL, Alaska AK, Arizona AZ, Arkansas AR, California CA, Colorado CO, Connecticut CT, Delaware DE, District of Columbia DC, Florida FL, Georgia GA, Hawaii H, Idaho ID, Illinois IL, Indiana IN, Iowa IA, Kansas KS, Kentucky KY

Louisiana LA, Maine ME, Maryland MD, Massachusetts MA, Michigan MI, Minnesota MN, Mississippi MS, Missouri MO, Montana MT. Nebraska NE, Nevada NV, New Hampshire NH, New Jersey NJ, New Mexico NM, New York NY, North Carolina NC, North Dakota ND

Ohio OH, Oklahoma OK, Oregon OR, Pennsylvania PA, Rhode Island RI, South Carolina, South Dakota, Tennessee TN, Texas TX, Utah UT, Vermont VT, Virginia VA, Washington WA, West Virginia WV, Wisconsin WI, and Wyoming WY

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Have you ever wondered why all those out of town furniture retailers, with seemingly endless rows of similar furniture, have not created at least a small foothold in the bean bags market? To be honest, you probably have not. But it is surprising, when you consider that so many other types of product have gradually adopted a more casual design ethic. If you think about it, this applies as much to tableware as it does to more obvious categories like clothing. Frankly, it surprises me, because I would imagine that consumers would have been quietly making their views known.

It looks suspiciously as if those big box retailers have spent so much time on the edge of town that they have missed out on key changes in how people buy furniture. I have to draw that conclusion simply because there are so many websites out there with big beanbag ranges. One of the biggest is Beanbagbazaar and a quick look at the extent and quality of their range leaves one in no doubt that bean bags are big news in furniture.

The reason for this steady resurgence in beanbag sales seems to be that it is a product that people find it easy to live with. For a start, bean bags are really easy to move around a room or from room to room and they are a relatively cheap way of increasing the amount of seating you have at home. But there is more to it than that. The way that bean bags can be reshaped, thrown around and rolled over makes them a uniquely fun piece of furniture. In addition, a lot of contemporary bean bags are suitable for use in the garden as well as indoors, which just emphasises their credentials as a multi use seating product.

In fact, some bean bags are not really seating products at all these days. You can now buy bean filled footstools and giant beanbags that are big enough to have a snooze on. These newer products are proving very popular according to the manufacturers because existing bean bag owners like the comfort of bean filled products. I also suspect that, once you have become used to lounging around on bean bags, you probably are not too bothered about buying more traditional furniture.

My overriding impression of the bean bags market is of suppliers that are enjoying making essentially fun products for consumers that appreciate them and keep coming back for more. I would certainly prefer to design bean bags than chairs.

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