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I need more details. It would be best if you could kindly call us.

Ok, I'll try to call you tomorrow since you're working till 9PM Central Time. In the meantime, the details are: 1. 2 months 23 days trip 2. 4 month old baby girl 3. I'm aware immunization is not covered. So if we do have to visit the doctor, it will be an illness and certainly no pre existing condition right? 4. If we do have to go for her shots, any idea how much a doctor would charge (excluding the cost of the medicine)? This will help understand if fixed would be better for us or comprehensive. 5. In general, is baby care an expensive affair? At least it is not so here in India (very relative and individualistic I know - USD 60 a month for a healthy baby). Would you still recommend comprehensive? Many thanks for your advise.

Immunizations etc. are not covered. However, they don't cost much. On average, the shot may cost around $30 to $100 each. Insurance company will pay for any new medical conditions, injuries or accidents that may occur after the effective date of the policy. It will not cover any pre-existing conditions. For young people, there is hardly any cost difference between fixed and comprehensive. I did the quotes for 2 months 23 days and the difference is less than $10 for the entire period. Definitely go for comprehensive. e.g., look at Atlas America at /atlasamerica-insurance/

Actually we are two adults and one infant. Atlas America mentions that children below 10 are free with an adult. This is pretty good. 1. Would this mean that all the benefits of the adult are inherited by the child? Of course limited to the policy maximum, right? 2. Atlas America would cover even during travel right - via countries other than USA? 2. Is there any other policy which has children free? Your suggestions are very effective. Thanks!

1. All benefits are per person. In other words, the policy maximum, the deductible etc. are per person. 2. Atlas America would cover anywhere outside home country as long as the insurance is effective. Insurance is effective at 12:01 AM Eastern Time on the day you specify. Therefore, keeping time zone differences in mind, you should put the effective date one day in advance of the travel date in order to cover during travel as well. 3. No. If you have any other questions, please feel free to post them here or contact us at any time.

To sum-up, if i take insurance for the mother, the infant is free. If there is a need to visit the doctor for the infant, we show the ID card of the mother and the appropriate expenses will be waived off? We will need proof of mother-child relationship I reckon? Ignore the last question. I wasn't selecting child. I can see child info to be entered now.Please ans the first part. Thanks!

When you apply, you put the details of the parent and child both. So, you will have insurance for each person. You will get insurance cards for each person.

Great! You just made me choose my insurance plan in the last 5 mins, something that I was thinking would take me days (considering the options one has). Many thanks. You're doing a splendid job.

You are welcome. If you have any questons or problems at any time, even after purchase, please feel free to contact us at any time.

Hi Narender, Can you please answer the last two questions also: 1. While applying online, it asks for "Delivery Method". What is going to be delivered? I thought everything could be printed out. I don't think I will have time enough to collect anything being delivered so I should give USA address right? 2. Atlas America mentions that Coinsurance will be waived if expenses are incurred within the PPO and expenses are submitted to Underwriters for review and payment directly to the provider . So if i get treated at a registered service provider as available from "Hygeia Provider Search Tool", insurance will cover everything right? I won't even have to have 20% of the first USD 5000 is it? Thanks!

Fulfillment contains the policy, insurance cards, instructions etc. 1. A. In first page, you can choose 'Online Fulfillment' either 'Yes' or 'No'. If you select 'Yes', you will get everything by email and nothing by mail. If you select 'No'. you will get everything by email as well as by mail. B. If you select 'No' in the first page, next page will ask whether you want everything by regular mail (no charge) or express mail (extra charge.) Yes, you can specify US address. That is what everyone does. Of course, in any case, you can print everything out at any time from our 'Current Clients' section at /myaccount/ 2. As long as you go to the providers in the network AND they bill directly, you don't have to pay 20% for first $5,000. Please feel free to contact us at any time if you have any other questions.

Could you help me find the nearest PPO network hospital in Lone Tree, Denver, CO? The closest I found on /travel-and-student-insurance-ppo-network/ was LITTLETON ADVENTIST HOSPITAL. But on this hospitals website, they do not mention a tie up with Atlas America insurance / InsuBuy / Hygeia Network. Am I looking right or...? Thanks! Mahesh

The list you are looking at is the correct list. Ask them if they participate in 'Hygeia PPO network'. If they say yes, good. Otherwise, ask them if they participate in 'First Health PPO network'. If they yes, good. Did you read few paragraphs given at /travel-and-student-insurance-ppo-network/ before you started searching? It explains all this very clearly. Hospitals don't know about Atlas America / InsuBuy / MNU etc. and that's absolutely fine.

Earlier in this chain, you had suggested Atlas America as the right policy for my specific requirement when I travelled to Denver, CO. I am visiting Denver again with my wife and a 1 year old daughter now. I was comparing Atlas with other policies when I came across Liasion Continent B. This seems to me like a better policy because: * Lower premium than Atlas (lowest for all when no deductible selected) * 75/25 as compared to 80/20 only upto USD 5000 for Atlas Would you still advise Atlas America or do you think I should try Liasion Continent B this time? Many Thanks, Mahesh

In Atlas, if you go to the provider in the network and they bill directly, it is 100% up to policy max. Otherwise, it is 80/20 to $5,000 and then 100% to policy max. In any case, you end up paying deductible + max $1,000 out of your pocket. However, in Liaison Continent B, after deductible, it is 75/25 all the way to policy max. Therefore, if you take $100,000 policy, you may end up pay deductible + $25,000 out of your pocket. That is significantly higher out of pocket. Also, in Atlas, one child under 9 comes free with each parent. Now that you know the differences, you can decide which one works best for you.

Yup, I overlooked that in a PPO network, underwriters bear 100 % in Atlas. I'll stick with this one this time again. Thank you!