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Ask Our Specialists
I want to adjust my quote based on 2500 deductible. Also, I have a question. Let's say I want to visit a doctor for a fever for my inlaws. If I go to hospital would only the co-pay of $15 apply. If yes, what all are the hospitals available. My Zip is 94560. Another thing is , my colleague took Safe Travels USA Comprehensive how is it different from atlas america?
Atlas America's $15 copay applies only at the Urgent care or walk-in clinic. An ER visit would be subject to the deductible amount you select. When visiting the ER if someone were to visit for an illness, and not be admitted to the hospital an additional $200 copay will apply.
You may search for providers within your area by using the provider link for the First Health PPO Network .
The Safe Travels USA Comprehensive plan will waive the deductible at an in-network facility, and then the plan will pay 100% up to the policy maximum limit. With the Atlas America plan you are subject to the deductible within the network, and thereafter the plan will pay 100% up to the policy maximum whether you visit an in-network or out of network facility.
One other important difference is the coverage available under the acute onset of pre-existing condition coverage. The Atlas America plan will provide this coverage up to the policy maximum limit you select for insureds under the age of 70. The Safe Travels USA Comprehensive plan will also include this coverage up to the policy maximum for individuals less than 70, but if the event is cardiac related the coverage would be reduced to $25,000 for this age group.
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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 The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage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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