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Q:questions about &quot;Atlas America Hello, I'd like to ask you some questions about buying a visitor's insurance for my mom. She is going to visit us at the end of this month. So I'm doing some research now. I have some questions about "Atlas America" by this link: <a href='/atlas-america/visitor-medical-insurance/'>/atlas-america/visitor-medical-insurance/</a> What I don't understand are these words: A) Hospital room and board: does this mean the medical expense to stay in hospital?Is this the same meaning of in-patient expense? B) Hospital Indemnity: what does this mean? I guess it's like providing food and drink. What's the difference between A) and B)? C) Emergency medical evacuation: What does this mean? D) Emergency reunion: What does this mean?The difference with C) ? Thank you!

A:
A. Yes. B. Your guess is right. It is for incidental expenses other than the medical expenses. C. /visitor-health-insurance/#evacuation D. /visitor-health-insurance/#reunion
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Q:Insurance representative in Morrocco Hi, I am writing to request more information regarding your company&#8217;s worldwide representation. I need to know if you have any company in Morocco that represent your firm. The reason why I ask this question, is because we often send students to go and get trained in the U.S and we want them to start having an insurance before they leave the country. For your information, Moroccans does not have an international credit card that they can use to purchase your insurance for example before they fly to the U.S. I am hoping you have a representative in place, who we have contact with and maybe set up a contract to get coverage for students and families during the time period they plan to stay in the U.S and get the payment done while in Morocco. Please let me know if you have questions and I appreciate your guidance in this matter.

A:
Unfortunately, we don't have a local representative in Morocco. Please note that even if there were a representative in Morocco, the payment would still need to be done in U.S. dollars. I am aware that many people in other countries don't have international credit cards. However, they may be able to use someone else's card and pay them. We can also accept the cashier's check or demand draft in U.S. dollars. However, we are able to help you with whatever you need from Plano, Texas, USA. If you could kindly let me know your requirements, I would be glad to offer you the insurance plan(s) that works the best for your needs.
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Q:question regarding insurance Hi, I'm using insubuy.com to find health insurance for me and my family (J1 scholar). I was wondering why "Atlas America" does not appear on the J1/J1 search results? Are they missing some of the J1/J2 requirements? if yes, which ones? Thank you,

A:
We offer Atlas America plan at /atlasamerica-insurance/ but that does not meet the J-1 visa requirements specified by U.S. department of state, listed at /exchange-visitor-insurance/ Please note that J-1 visa requirements state that you must get at least $50,000 per accident or sickness. However, the policy maximum in Atlas America is life time policy maximum. That is, if you take $50,000 policy maximum, it would be $50,000 life time and not per accident or sickness, as requried by J1 visa requirements. I hope that clarfies. You can purchase J1 visa compliant insurance at /j1-visa-health-insurance/ Please let me know if you have any other questions.
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Q:visitor's medical insurance Hope you are doing well. Looking for visitor's medical insurance for my Mother in Law. She turned seventy last month. We prefer the same insurance (Atlas America) which we had last time for her. However we were not able to find the same on your website. Please note that our nearest hospital is JFK hospital in Edison, NJ and her PCP was Dr. Hitesh Patel. Please let us know. Thanks,

A:
Atlas America is certainly available on our web site. I believe that you must have put the criteria which does not satisfy Atlas America and therefore, it might not be showing up. (Such as if the person is 70 and you want $100,000 or $500,000, Atlas America would not show up because the maximum available for 70+ is $50,000.) You can directly access Atlas America insurance at /atlasamerica-insurance/ Thanks for the response. Please let us know the maximum coverage available for a 70 year old person and how much it would be? Approx. travelling dates - July 28th, 2011 till December 11th, 2011. Thanks, Atlas America - $50,000 /atlasamerica-insurance/ International Major Medical - $250,000 /international-major-medical/travel-insurance/ Thanks. Worldmed - $150k ? Please let us know the premiums as well. Also let us know whether they cover Dr.'s and hospitals in Edison, NJ. Yes, WorldMed is $150k but make sure to read the restrictions in the certificate wording. You can find out the premiums for any plan by entering your information at / Please let us know which one will cover Dr.'s and hospitals in Edison, NJ, so that we can go ahead and register. Is Dr. Hitesh Patel in the providers list ? What policy maximum would you like to purchase and for how old person? Is it the same 70 years old person? Same person. Did not see that many options for 70 year old person. We would like to know which one will cover Dr.'s and hospitals in Edison, NJ, so that we can go ahead and register. Please let me know the policy maximum you would like to purchase: $50,000, $100,000 or $150,000? It will based on the provider network and Drs. in Edison, NJ. Does all of them have the same network and providers ? Any of them cover pre existing conditions ? No, different insurance plans participate in different PPO network. Please look at /visitor-insurance/ For all the plans that participate in the PPO network, there is a link called 'Provider Directory' next to it. You can search to find out the providers in your area . Please that cover pre-existing conditions in some form up to some extent are listed at /pre-existing-conditions-coverage-visitors-health-insurance/ Please let me know if you have any other questions. Policy max - $100 - 129 Patriot America - Was unable to find Dr. Hitesh R. Patel. Diplomat Long term - No provider directory. Worldmed - Was able to find. But it's only accident coverage. Please let me know whether I am missing anything. Please note that even if some Dr is not in the network, you can still go to that Dr. Alternatively, I suggest that you contact the Dr and ask whether he participates in First Health PPO network or not. Otherwise, you can consider going to another doctor. The choices I told you are the only choices avialable in the market for age 70+ if you want $100,000 or more of comprehensive coverage.
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Q:Visitors Medical Insurance Updates I have been your client for a long time. I have bought Visitors Medical Insurance with you 3-4 times in the past, and am a repeat customer. The last time I bought was 3 years ago when my parents visited. Somethings may have changed from then to now, so I thought I'll email and discuss with you. Previously I had bought IMG Patriot America. That has no pre-existing coverage. Here is the info: Now my Dad is 69 years old (69 yrs, 3 months). He has Diabetes Mom is 61 years old. No specific pre-existing condition. Visit duration to USA (approx): 3 months duration June, July, August approx Primary they'll be in Seattle, USA Since Dad has Diabetes, I am a bit nervous about coverage etc. I dont need coverage for "routine medicines" - just for emergencies I worry about. What suggestions do you have which will give me peace of mind?

A:
I certainly remember you. Thank you for contacting us again. In your situation, Atlas America would be the most appropriate choice, available at /atlasamerica-insurance/ Also, you can read /best-visitors-health-insurance/ Please let me know if you have any other questions. Can you email me the actual wordings terms and contract for the following: Atlas America I would like to read the official actual wordings before I make decision. Thanks. /atlas-travel-insurance/ Let's say we go to a hospital due to emergency. The hospital can be part of Atlas PPO. But usually quite a few doctors, radiologists may work on the patient and they bill separately in US. Would Atlas consider them as part of PPO since we went to a hospital which is PPO? Or does the doctor, radiologist etc all need to be individually part of the PPO network? Do you know how this works? Yes, I know how it works. They individually need to be part of the PPO. Otherwise, the coverage would be according to out of network. That is the case with most different PPOs, not just this one. I had this problem when I took my son to ER where the hospital was in PPO network, but the physician deliberately didn't participate in the any PPO network. And I have BCBS of Texas. I had to really fight to get that sorted out. Please note that this is the problem of the healthcare of this country where attending providers in the participating hospital choose not to participate in the PPO network because you have no choice at that time, and they can afford to rob you like that. Therefore, it is not the problem of the particular insurance plan or PPO. I priced the policies on the website. Atlas America seems to be $320 more than Patriot America (total difference for two people - my dad and mom inclusive). I used same parameters for both. Dad is 69 years old (has pre-existing diabetes) He does not have any specific heart problem. But I wonder if there is any heart-attack - what if they link it to diabetes or some such. Or what if some diabates related complication arises? Mom is 65 years old. No pre-existing conditions that we are aware of. Question: Would the "acute onset of preexisting conditions" still make Atlas America a worthwhile choice even despite the additional $320 expense for me? I know its a question that eventually I need to answer. But I just thought I'd ask what you would do if you were in my situation? Your help greatly appreciated to help with my confusion. Anything related to pre-existing conditions would also be considered pre-existing conditions. I had purchased Atlas America last time my parents visited me. Mom is actually 60-64 group (and thats what I used for calc). Just clarifying. Anycase - along with your answer to the below email - one other question: Atlas says "Ambulance covered when injury/sick results in hospitalization as inpatient" - what does it mean? If lets say person falls down, breaks the arm (fracture), we have to call 911 and rush to hospital ER, and they treat and put a cast for the fracture. But after that person can go back home the same day. This has happened to people. Will the ambulance be covered? Is this diff from Atlas and IMG Patriot which says UCR covered for ambulance? Appreciate your answer to this too. Thanks so much. Read /what-is-visitors-insurance/ Though I guess the "Emergency room" or hospital "admits" a patient with fracture injury or bleeding into the hospital, treats them and then sends them home. If admission (even though release in same day) counts as inpatient or does it come as outpatient? For ambulance and Emergency "room charges" under Atlas America...I guess thats the confusion for me. Whether it is considered hospital admission or not really depends upon how they do the coding in the bills. Quick question: Date of departure from Home Country (India): If they depart India on May 25, 2011 then in Atlas application form, I can enter May 24, 2011 as the date right??? Since that's the date in USA? (even though in India it is May 25). So, that's TODAY's date (May 24) that I can enter in the application form, right? You can't enter today's date. Earliest is tomorrow. Funny thing is that your online application allows me to enter and choose May 24, 2011 (Today's date) and even in final screen where credit card info is to be entered it says 'coverage date: May 24, 2011' on the right hand side. But to be 200% safe, I'll enter May 25, 2011 even though the application form is fully allowing me to enter and process all data with todays may 24 date! I just completed the transactions for Dad and Mom. Atlas America. Thanks. PS: You may want to refer someone to check why the online system allows todays date to be entered? I did enter May 25, 2011 (tomorrow) as start date to be safe. Thanks. The new application was made by HCCMIS on 05/19/2011 and they are working on a lot of things to be fixed. And I am trying my best at all the levels to get everything fixed. Thanks. One other transit related question - since the insurance covers them for the trip. Lets say they have any illness in journey or in-Transit at London,Heathrow. How do they get medical assistance in London? I guess Atlas will cover it, but will they just give the insurance info to the medical facility even if it is not in US? They can provide all the medical insurance information to the providers and it is up to the provider how they want to handle it.
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Q:overseas health insurance sir, we are coming to USA on 21st May 2011 and our return flight is on 13th june (total 26 days back to India) for conference at harvard and tourism. We will be covering new york/ new jersey, DC, Niagra falls, boston & california state etc.. So please guide us what will be the best and economical health insurance plan for all of us. Will it cover cashless hospitalization, OPD / medical test expenses etc. What other benefits it offer. My family details are Female 37 yr Male 43 yr Female -12 yr Female - 12 yr We dont have any pre-existing illness as we know, do your policy also covers any pre existing illness. Please give us a quote and how it is better to have health insurance from Insubuy rather than having health insurance from indian insutrance companies. Regards

A:
Hello, What visa will you be here on? Dear Sir Thanx for the quote. We will travelling on B1/ B2 Visa. Can we limit the mandatory deductions to 100US$ instead of 250US$ in our policy. Please also clarify whether Atlas insurance covers outpatient treatment facility for minor illness in US such as fever, stomach infection etc and how much amount we have to bear of the total cost of OPD treatment. As ICICI lombard general insurance in india which has a tie up with United Health Insurance of US settles OPD claims (refunds) after submitting bills in India and we have to make all the payments for OPD treatment from our own pocket. How Atlas insurance is different. Regards 1. Yes. You can certainly get $100 deductible instead of $250 deductible. The price for $100 deductble is 10% higher compared to the price for $250 deductible. 2. For both outpatient as well as inpatient treatment, Atlas America participates in First Health and PHCS PPO network. You get the insurance card that will display those PPO network. You just take that insurance card to the doctor or the hospital and they can bill directly. Therefore, it is beneficial to buy Atlas America plan, available at /atlasamerica-insurance/ Please let us know if you have any other questions. Thanx Some more queries 1. Can we get 0% deductible in our insurance policy 2. At Disneyland (on rides) or any other such park if kids or we get hurt then will it be covered under same policy or it comes under adventorous sports and we had to add sports rider in our policy 3. Would it be 100% insurance coverage or 80:20. Is this 80:20 coverage compulsory initially or can we go for 100% coverage 4. Would we be giving our Indian mailing address for the papers to deliver or what. We will be going on 21st May. 5. We will first go to New Jersey, then to DC, Niagra falls, then New York, then Boston, then Los Angeles, San Jose etc. Will Atlas Insurance covers all. Please clarify. 1. Yes, you can. 2. Regular rides are not excluded and you don't need sports rider for that. To be more precise, please look at /atlas-america/visitor-medical-insurance/ The activities listed under the exclusions section are the ones that are excluded. In order to cover those adventure sports, you will need to get sports rider. 3. Look at the heading section of /atlas-america/visitors-insurance/ 4. Yes, you can do that. 5. Yes, it does. I hope that answers all of your questions. If you have any further questions, please feel free to contact us at any time. Otherwise, you can purchase it online at /atlasamerica-insurance/ thanx I have only one concern that is 80:20. Your policy says if the provider bills the insurance company directly it will pay 100% otherwise insurance company pays 80%. I am not able to understand that. When will the provider bill the insurance company directly and when not. What can we do so that the provider bills the insurance company directly. My concern is if we have our travel insurance from ICICI lombard from India which has a tie up with United Health Insurance of US, all hospital treatment is cashless and then we can get all the OPD expenses refunded when we come back and submit bills, but here 20% will go from our pocket. Example, if by any chance during an inpatient treatment at Hospital the bill comes to 5000$ or 10000$ then 1000$ or 2000$ will have to be borne by me that is 45000 INR or 90000 INR which is substantial sum and i wont get any refund. Same is the case with OPD treatment. Hope you can understand. Please clarify. Regards Atlsa America participates in First Health and PHCS PPO networks. When you go to the providers in that network, they can bill directly. You can find the list of providers in the network at /travel-and-student-insurance-ppo-network/ You can find more information at /what-is-visitors-insurance/ I have never seen any hospital not billing the insurance company directly for those who have purchased Atlas America. Therefore, you need not worry about paying thousands of dollars out of your pocket. Please let me know if you have any other questions. Sir I tried to find the list of providers and it showed some CMN network. On clicking search providers, there is a search screen to search doctors in a particular area. I tried to search for physician in new york area but it showed 0 results, then i tried california, again it showed 0 results. Further, there is something like network negotiated fee whats that. Please clarify. Further, also clarify whether this will be a comprehensive policy or a fixed policy. Moreover, please guide is it better to take individual policy of myself and individual policy for my spouse and children or a single one for all 4 of us. As they say if u take combined policy then if any family member uses it first then the other person covered in the policy cant use it. Regards 1. That is not possible. There are thousands of providers both in CA and NY. Please tell me EXACTLY the criteria you selected so that it may help me find out what you might be doing incorrectly. 2. When you go to the providers in the PPO network, they charge the fees that are negotiated between the provider and the insurance company, rather than randomly charging whatever they wish to. 3. Atlas America is a comprehensive coverage plan. 4. It is better to add the dependent children in the same policy as the parents as, for every parent insured, one dependent child under the age of 9 is free. In any case, dependent child rates are lower than child alone rates. 5. That's not true. The coverage is available for each person insured in the policy, irrespective of whether you take combined or separate. One insured claiming the insurance now does not prevent any eligible claims for another insured later. Please let me knwo if you have any other questions. Sir, Ok thanx i was able to open the list of doctors. Regarding your answer to point no. 2 do the fees charged by the providers in the PPO network have to be paid by us or are cashless in OPD treatment. Please clarify. Regards Cashless in OPD treatment in network.
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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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