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Ask Our Specialists
Multiple Comprehensive Coverages for Parent I just purchased "Atlas America" insurance through Insubuy for one of my parents (71 years old) who will be visiting me in the US shortly. The coverage is for $100K with a $2500 deductible (ID number A91458397). In addition to the above, I am also considering purchase of "Patriot Platinum Plus" for the same parent with $100K coverage and $10,000 deductible. I wanted to understand how to use the two insurance coverage together in case of an emergency incident. I have the following specific questions: • Which of the above insurance should I use first (assuming that the hospital used is part of the First Health Network)? • Does the insurance that I use second, cover the deductible of the insurance that was used first? Thanks in advance and best regards,
It is not recommended that you purchase the Patriot Platinum Plus plan as you would then have 2 secondary insurance plans and this can get very cumbersome when it comes time for claims. It is recommended that you purchase a plan called Safe Travels USA as this plan will act as a primary insurance and will coordinate benefits with the Atlas America plan that you have purchased. In purchasing the Safe Travel USA plan with a $50K maximum it will be less expensive and you will have a Primary and a Secondary plan rather than 2 secondary plans. Please use the link listed below to review this plan and to generate a quote. If you have any questions please feel free to contact our office. Safe Travels USA brochure & instant purchase link: /safe-travels-usa-insurance/
Thanks for your input. I intend to proceed with "Safe Travels USA". I did have one followup though - I am not sure I understand the difference between primary and secondary. When I look at the Atlas insurance literature, it does not seem to use the words primary and secondary. I wanted to educate myself on this topic before purchasing.
The way insurance works, if you have two insurance plans that can pay for the same situation then one insurance will be primary and will pay first and the other insurance plan will be secondary and will pay next. Take the example of a car accident. If there is car insurance then it would be responsible first and then if it reaches its max then a medical plan can start paying where the car insurance left off. Plans for visitors as a rule are secondary plans. The exception to this is the Safe Travels USA plan. It is a primary plan. If you have additional questions please feel free to contact our office.
Thank you. Would you mind pointing out which feature of Safe Travel USA makes it a primary plan. To my layman eyes it looks quite similar to Atlas. I just want to make sure I am adequately educated on this topic.
It’s in the Safe Travels USA certificate wording /safe-travels-usa/visitors-health-insurance.pdf that it says under primary benefits that it will pay primary. The details of any plan can be found in their certificate wording. In the certificate wording for Atlas America it states that they will not pay primary that instead “This insurance will apply with respect to expenses in excess of the amount paid or payable under such other insurance.”
Got it. Thank you so much!
You’re welcome, if you have any additional questions please feel free to contact our office.
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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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