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Ask Our Specialists
So I had a few queries 1. What is the major difference between the Atlas America and Atlas Premium America Plan, that the difference in the premium rates of the two plans is almost $50 at zero deductible? I looked at the benefits page for both and they almost give out the same details except for 1-2 things like Trip Interruption, Natural disaster etc. 2. In Atlas America comprehensive plan with zero deductible, the premium cost is $95.04. Does this include all costs and taxes? 3. My mother shall be reaching back India on the intervening night of May 9th and 10th, just after midnight. She'll be leaving US on May 8th. Should I also be including an extra day (May 9th) to the plan to cover for any situations during her travel including a stopover at Amsterdam? Does this plan cover situations outside US, during the return travel? 4. I have heard a lot of cases where Atlas plan has refused to pay for treatment on the basis of pre existing condition clause or the acute onset clause interpretation. Could you make me understand how both these clauses can lead to denial of insurance cover?
Answer for your questions below:
1. The major diff. between the Atlas America and Atlas Premium America is co-insurance. Please look at Atlas America vs Atlas Premium America comparison.
2. Whatever premium you get online that is final premium.
3. This plan will provide coverage worldwide excluding her home country. Coverage starts by 12:01AM EST and ends at 11:59PM EST. So if you want to cover travelling time you can add one day extra.
4. This is a short term plan which covers new sickness, injuries or accidents that may occur after the eff. date of the policy. Insurance will not pay for any routine maintenance, pre-existing or preventive care. However, plan covers Acute Onset of Pre-existing Conditions for the age below 70yrs.
As a broker, We work for you NOT for any particular company. So in future if you have any issue related to claim feel free to contact us. We are not involved in day to day claim because of HIPPA rule. But if the claim reject and it's legitimate claim insured person can give us authorization and we will be glad to look into claim also.
Please feel free to contact us if you have any further questions.
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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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