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50,000 or 100,000 / 250$ or 100$ or 0$ I am looking for buying Atlas America insurance for my mother (54 years). I am wondering if: 1. Any recommendation on coverage (50,000 or 100,000)? 2. Any recommendation on deductible (250 or 100 or 0) 3. Duration of her trip is unknown typically. Last time I took coverage in bulk for 6 months. She visited Dr for one small thing in 1st month, she left for India after 2 months and I didn't get any reimbursement for rest 4 months (that costed me 400$ unnecessarily). Should I buy month to month with timely renewals? This time I am hoping she will be here for 3-4 months. 4. Annual deductible "1 year" period starts from 1 Jan to 31 Dec? Or does it start from date you first start the insurance? Apart from Atlas America, any other strong recommendation. Thank You, Mukul
Thank you for your interest in purchasing Atlas America Insurance. 1. $100,000 is much better, as you may go over $50,000 very easily if anything serious happens. 2. That is a personal choice. Some people think that even if have to go to Dr once, having a lower deductible is better. Others think that most likely nothing will happen, and if some small thing happens, you can take care of it youself and you want the insurance to take care of the big things. And you want to save premium now. Therefore, choose a higher deductible. Having said that, $250 is the most common deductible. 3. Please buy the insurance for the duration you are sure she will stay and then renew it. There is a $5 renewal fee but you can renew for the exact number of days you want. 4. The year starts from the first day of the insurance. Atlas America is the most popular choice. And I myself have purchased Atlas four times for my personal (or family) use in last one year. I hope that answers your questions. If you have any other questions, please feel free to post them here or contact us at any time.
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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 The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage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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