Are There Insurance Policies for Hospital Coverage Only?

Health insurance plans are available providing hospital coverage only. These plans, which are often called short-term plans or catastrophic plans, are intended to cover serious illness and hospitalization only and are available for individuals and families, according to eHealthInsurance.

Catastrophic plans typically charge lower premiums than more traditional health insurance plans, but they may carry higher deductibles, as eHealthInsurance points out. They usually do not cover prescription medications, immunizations, doctor’s visits or wellness care. Catastrophic are generally most appropriate for young, healthy individuals or for those who expect to have employer-provided health insurance within a short time. Those with pre-existing medical conditions or who require regular medication typically require a health insurance plan that offers more complete coverage.

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