I believe the catastrophic ones are to ensure you don't go bankrupt if there is a major accident or surgery needed. I'm not sure if they cover doctor visits at all.
Definitely read through ALL the details of the plans you are looking at.
I know when I was comparing there were a LOT of little details to each.
Health insurance these days has gotten ridiculous, so I looked around a few years ago to see if there were cheaper options than the plan I have through work. Unfortunately, it didn't look like it.. and it gets higher and higher each year too!
But you hear this everywhere, so we are suffering together.
Let me know if you find anything spectacular out there.
I'd love to see it!
