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Ask Our Specialists
I am a returning client and I purchased Atlas America Plan for my mother who was visiting the US in 2017. I have a question with regards to the visitor insurance policy for my mother. She is travelling to the US and I am planning to buy Atlas America plan for her. This plan has a deductible per policy period. What does that mean. Let me give you my understanding with an example here. If I take the plan with deductible of $500, with a 100K coverage and for 6 months. Now if the covered medical incident occurs that costs $400, the maximum out of pocket expense that I have to pay is the whole amount here which is $400 as $500 is the deductible. Now my question - Another medical incident occured within the same 6 month policy period and that costs about $1500, do I have to again pay $500 as deductible or is it like I have to pay $100 as I have already paid $400 in the previous incident under the same policy period of those 6 months. Please clarify so that I can decide on the plan.
Thank you for contacting Insubuy for your insurance needs.
The deducible in the Atlas America plan is per policy period. You would pay this deductible once during the 6 months (364 maximum) you have the plan.
So in your example the subsequent visit you would pay $100 towards the eligible expense to meet your deducitble.
If you need any additional clarification please 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 The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage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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Healthcare costs are very high in the U.S.
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