[header] How to buy major medical insurance [title] Understand the kind of major medical insurance you need. [step] Some consumers and businesses have different definitions for major medical insurance policies. Some people understand these as policies that are supplemental to medicare, where others use the term " major medical insurance " to refer to any self-purchased health insurance plan. 
Also review your specific needs for the policies that you are seeking. [substeps] Figure out what your health costs will be in any given year.