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Atlas America - Medical Insurance I would like to buy Atlas America Medical Insurance for my parents who’s planned to be US for 6 months. I have few clarification, could you please let me know. Information: Travelers Age: 61 (Primary), 66 (Spouse) Travel Start Date: 04/10 Travel End Date (Planned): 10/09 Travel From: India Travel to: USA, Washington Clarifications: 1. Can I buy Atlas America while am in WA and my parents are in India? From FAQ it looks like Yes, but want to confirm. 2. If I extend the medical insurance while my parents are in Oregon, what kind of proof do I need to keep? 3. Let’s say I make a claim and then cancel the policy one month prior to planned end date â€" What would be the impact on the prorate refund? 4. My mom had open heart surgery 3 years back and she takes prescribed medicines regularly. a) If she gets a heart attack will that be considered as “Acute on-set of pre-existing conditionâ€�? b) If US Doctor prescribe a change in her regular medicine will the same be covered? 5. Do you any other suggestion or Atlas America is preferred considering the age of my mom and pre-existing condition?
Thank you for your interest in purchasing insurance through us. Answer for your questions below: 1. Yes. You can purchase Atlas America plan for them before their arrival in WA state. If they are coming on 04/10. Start coverage from apr 9th and purchase insurance for 3m then renew for rest of the duration. 2. Yes. You can renew the policy no matter which state they are in. You have to renew the policy before it expires. Coverage expires by 12:01 AM EST. 3. Refund policy is that there will be $25 cancellation fees and rest pro-rated premium you will get refund as long as there is no claim has been filed since the original effective date. 4. a. Insurance will not pay for any routine maintenance for the pre-existing conditions. Covers only acute onset of pre-ex. More information on acute onset of pre-ex, /atlas-america/acute-onset-pre-existing-conditions-coverage/ b. not be covered. 5. Atlas will provide you the most amount of coverage for acute onset of pre-ex for age 65+. Atlas America brochure, instant purchase and other useful information, /atlasamerica-insurance/ Please review this and if you have any further questions feel free to contact us.
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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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