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Question:

Regarding the Atlas Exchange plan, I didn't quite understand "As long as the reason for your doctors' visit is considered an eligible medical expense then the plan will pay 100% for the prescriptions once the deductible has been met" Can you please explain what did you mean by a deductible? As I understood if I choose 100% co-insurance then there will be no copay for in network doctor visits.

Answer:

That means if you visit the doctor and it's related to a pre-existing condition or any preventive care and the doctor prescribes some medicine, it will not be covered.

But if you visit the doctor for a fever and it's a new medical condition and the doctor prescribes some medicine, that will be covered.

Deductible is the amount you pay first before insurance pays anything. If you choose $0 deductible then you are not paying anything towards deductible.


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DISCLAIMER: Information presented in our Questions and Answers section is generic and was deemed to be accurate at the time of response. Please use the answers as a guide and do not make decisions based on the answers. The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage may have changed. Insubuy assumes no responsibility for relying on such answers. You should review the latest certificate wording of the insurance policy (available on this website) for the product you are considering for the latest and complete details. If there is any conflict between the answers provided here and the certificate wording, the details of the certificate wording will prevail.

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