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Life Insurance

We break down barriers to understanding life and final expense policies. View guides or read reviews of popular plans.

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Medicare

Medicare can be complicated. Explore our guides to basic coverage, supplement plans, Medicare Advantage, and more.

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Home Insurance

Homeowners insurance doesn't work like you might think - we've done our homework to understand the policy options and benefits out there. Start by scouting your options, or viewing our reviews.

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We've done the work to learn what goes into auto insurance. View guides to getting the best rates or browse provider reviews.

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Pet Insurance

Pet Insurance can be complicated. Explore our guides to basic coverage, end-of-life plans, chronic health conditions, and more.

Catastrophic Coverage | Medicare Glossary

Back to Medicare Glossary Terms

An insurance plan that is designed to protect you from paying high out-of-pocket costs. It is geared towards patients who are generally healthy and don't need to visit their physician on a regular basis. This plan usually covers hospital stays, x-rays, and surgical expenses. Medicare Part A and Part B does not offer catastrophic coverage but Medicare Part D (prescription drug coverage) does offer it. After you have spent a certain out-of-pocket amount, you will only pay 5% of the cost for each prescription in addition to the monthly plan premium. Medicare private plans may also have catastrophic coverage but the caps may exclude certain high cost services.