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Question about Patriot America/Atlas America maximum coverage Hi there, I am looking for short-term insurance for my parents, and am thinking about getting a comprehensive plan of $100,000 for 5 months. A couple of questions: 1. the maximum $100,000 means maximum coverage for the entire 5 months? If that is the case, if i can start buying for 3 months, then renew for another 2 months, does the $100,000 get re-set after the initial 3 months? I ask this because i see "Maximums are per covered insured per certificate period" on plan summary and not sure what "certificate period" means. 2. Could you elaborate what is main difference between Patriot America and Atlas America? I noticed that Patriot America is a little cheaper, but has a 90/10 coinsurance for in-network first $5000 expense while Atlas America waives coinsurance. Is that the only main difference? Thanks!!
Hello, 1. $100,000 would be a life time policy max. 2. Atlas America will also cover the acute on-set of a pre-existing condition up to $15,000 for anyone age 69 and below. Patriot America will not cover any pre-existing condition or any illness or medication related to a pre-existing condition. If you have any further questions please feel free to call.
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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 The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage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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