I have a teacher neighbor who recently (December) had a brain tumor and was in very bad shape after surgery. She was transferred to a rehab center approximately late-Jan and when her insurance ran out she was discharged. The rehab center did not feel she was ready to be discharged. She cannot walk yet. I believe her insurance is through the State and is a very good insurance.
And catastrophic insurance is a separate premium--even at the State. I am not sure the State even offers a group plan?
I will look into catastrophic insurance through my employer, thanks to our chat.
My great advisor on insurance matters is my own father, the wise old man. I'm going to ask his opinion on catastrophic.