Ask Our Specialists

Please see the answers to your questions listed below in bold font. 1. Is the deductible once per policy period? If so, please correct my understanding below: The deductible is per policy period. This deductible will be valid and paid one time for the lifetime of the policy . For Eg:- If my deductible is $250 and my coverage is for 4 months, then the total deductible is only $250 for the entire 4 months. In other words, I won't be charged with $250 deductible every time when I file a new claim within these 4 months. Is that right? 2. Is deductible applicable for general Doctor visits (say for a fever)? The deductible will be applicable in any instance until it is met. So, essentially you would pay out of pocket until you meet your deductible for all medical expenses. 3. What would be the percentage of my co-insurance? Is it 25%? The Atlas Essential Plan will cover 75% to the policy maximum so that would make you responsible for 25% of all eligible medical expenses. 4. Is there a 100% coverage available (like Atlas america) after first $5000 expenses? and would the co-insurance be waived if the expenses are incurred within PPO and provider bills directly to insurance? This benefit will only be available in the Atlas America and Atlas Premium America Plans. This is not an benefit that is included in the Atlas Essential plan. 5. What is the copay for specialist visit? There is not a concept of a copay in a visitors insurance. You will be responsible for your deductible and co-insurance. 6. If suppose I get a drug prescription after a Doctor's visit, would I be covered for the drug expenses? Medication is covered related to the new accidents and new illness that occur after the effective date. Your deductible will be applicable.