Atlas America is a comprehensive coverage plan for non-U.S. citizens traveling outside their home country. You can obtain an instant quote and/or purchase online on this web site. The insurance coverage can start as early as the next day or any future date you specify. As soon as you make a purchase, you will receive a virtual id card in your email. Physical cards along with the policy will be mailed to you on the next business day. You should receive them in about five to seven business days within the United States.

Atlas America is currently not available in the state of NY. (However, as long as you are not in NY at the time of purchase and you don't have NY mailing address, it is not a problem to jus visit NY state for few days such as to visit Statue of Liberty, Niagara Falls etc.)

The insurance company will generally pay for new medical conditions, injuries or accidents that may occur after the effective date of the policy. It does not cover any routine expenses related to pre-existing conditions, preventive check ups, immunizations or maternity. FAQ on pre-existing conditions
Atlas America covers up to $15,000 for acute onset of pre-existing conditions for persons below the age of 70 years.

Prescription drugs are covered like any other eligible medical expenses.
Dental is covered only up to $100 for acute pain to sound and natural teeth. For any practical dental coverage, consider a low cost plan from CAREINGTON that provides excellent coverage.

Atlas America provides coverage anywhere outside of your home country including travel time as well. It also covers loss of checked luggage.

Please look at the detailed description.

First, you will have to pay your chosen annual deductible (varies from $0 to $2,500) before the insurance company starts paying anything for the covered expenses, even for doctor visits. You will need to continue to pay all the money yourself until you have completely satisfied the deductible. The deductible is not just for the hospitalization. There is no concept of copay.

After that, within Hygeia/First Health PPO network, as long as the provider bills the insurance company directly, the insurance company pays 100% up to the selected policy maximum, ranging from $50,000 to $1,000,000, depending upon your age.
Otherwise, the insurance company pays 80% of the next $5,000 of covered expenses, you pay 20%. In other words, you will have to pay maximum $1,000 out of your pocket towards 20% coinsurance. (You don't have to pay this 20% for expenses incurred outside the U.S. or Canada.) Then, the insurance company pays 100% up to the selected policy maximum.

Lets assume that you have purchased a $50,000 policy maximum with a $250 deductible for 3 months.

• Let's assume that the doctor charges you $150/visit and you need to visit several times.
  
  First time you visit the doctor, you will have to pay all of that $150 yourself. You still have $100 left towards the unsatisfied deductible.
  
  On second visit, you will have to pay $100 yourself. You have now completely satisfied your annual deductible. If you visit the provider in the network and he/she bills directly, the insurance company pays the remaining $50. Otherwise, it will pay 80% which is $40 and you pay 20% which is $10.
  
  For any subsequent treatment (whether for the same condition or a different condition), you don't have to pay the deductible again. If the provider were out of the network and/or they didn't bill the insurance company directly, the insurance company will continue to pay 80% for the first $5,000 of covered medical expenses, you continue to pay 20% (that is maximum $1,000).
  
  After that, the insurance company will pay 100% for covered medical expenses, up to $50,000. If you incur any expenses beyond $50,000, you will be responsible to pay that amount.
  
  
• Let's assume that you were in an accident and are hospitalized for 2 days. The hospital charges $12,000 per day for a total bill of $24,000. Assuming this is the first instance of your needing to use the insurance, you pay your $250 deductible, and the insurance company will pay the rest as long the hospital is in the network and they bill directly. Otherwise, you pay $250 deductible plus $1,000 (20% of first $5,000) and the insurance company will pay the rest.
  
  Even if you renew your insurance, you don't have to pay the deductible again.