Ask Our Specialists

1. In both the plans, emergency room visit for the sickness works out to be very similar in the most cases. I recommend that you read the section about emergency room at /what-is-visitors-insurance/ It explains this matter in detail. If you still have further questions, please post them here and we would be glad to answer them all. 2. You can search for providers in the PPO network for Atlas plan at /travel-and-student-insurance-ppo-network/ Most providers in the PPO network would directly bill the insurance company. That is why there are there in the network. In about 10 years, I have never heard about any hospital in the U.S. not billing directly. (Not just Atlas plan, but all the plans we sell.) In rare cases, some doctor somewhere (who is in PPO network) may choose not to bill directly, mostly because of lack of understanding of a new receptionist, for example or just for some random unjustified reason. Again that happens rarely in case of PPO plans (which most of the comprehensive plans are). If it does happen, please let us know and we (or PPO) will contact them to clear up any misunderstanding or doubts that they might have. 3. Both plans provide the same coverage in that aspect. It is just that these two plans are from two different companies, developed them mostly indepdently from each other and therefore, there may be some difference in the language. I hope that answers your questions. You can buy either of the plans online at our web site at https://www.insubuy.com If you have any other questions, please feel free to post them here or contact us at any time.

Hi Thanks very much for your quick reply! I now understand the policies about the emergency room issues. Another thing is that I tried to figure out if the UCLA Medical Center is a eligible provider within Atlas network. I searched from /travel-and-student-insurance-ppo-network/. When select Provider Type: General Acute Care Hospital, Facility Name: UCLA, Zip Code: 90095, Distance: within 5 Mile. Two results show as Ronald Reagan and Santa Monica UCLA medical center. However when the Provider Type is changed to Emergency care, and Facility Name left blank, the other options keep the same. The two UCLA centers are not on the list. Does it mean that UCLA medical center is not within the Atlas network when dealing in Emergency Cares? Thanks very much!

If the hospital is in the network and they have emergency room, that is also in the network. The reason it may not show up in one vs other category is simply because finally it is a database with categories and whichever way the data entry was done and the category was assigned is how the search results are displayed.