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Ask Our Specialists
I am looking into Atlas America quotes for comprehensive coverage plans for my parents coming in soon. Was wondering if you help me with the following questions.. 1. Both my parents are aged between 65 and 70 with minor preexisting conditions.. Was wondering what will be covered and what will not be ? 2. Planning to take coverage for 3 months initially.. if they plan to stay back for more months later, was wondering if we can extend the insurance? And what's the minimum days required to extend the insurance? 3. Will they be getting their insurance cards, that they can use the way we use our medical cards here .. I mean just go to doctor.. show insurance card and pay the copay.. and rest is taken care of ? 4. Finally can you suggest the best plan for my parents?
Before we suggest any plan would like to know their exact age. They between 65-69 yrs or 70+. Because benefits will be different for age 70 and above.
Answer for your questions below:
1. Insurance will not pay for any pre-existing conditions or preventive care. However some plan has coverage for acute onset of pre-existing conditions for age below 70yrs. More information on acute onset of pre-ex here.
2. Most of the plans you can renew before the expiration date. There will be $5 renewal fees. You can renew mini. For 5days and it will be daily rate.
3. As soon as you purchase insurance you will receive confirmation by e-mail. Which will have a link to print id card and other documents. If you select you want to receive card by mail then it will be mailed to you next business days. Insurance card will have policy number, claim address and PPO network logo.
4. We can suggest the plan once we you provide their exact age.
If your father is 70+ then you need to get separate quote. Please enter appropriate criteria. You will find many plans and you can also compare them side by side.
Please feel free to contact us if you have any further questions.
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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 The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage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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