Atlas Essential America insurance is a low-cost comprehensive visitors medical insurance for persons visiting the United States.
When your relatives are visiting the U.S., you make a lot of arrangements in terms of passport, visitors visa, flight tickets, tours across the country. Some people even get the ethnic TV channels installed at their home for their parents.
However, it is extremely important to buy proper visitors medical insurance in case they get sick or injured unexpectedly while visiting the U.S., as healthcare expenses are very high in the U.S.
PPO Network / Cashless Billing
Atlas Essential America insurance participates in either United Healthcare or First Health PPO Network. There are many doctors and hospitals in the U.S. that will provide cashless billing.
Atlas Essential America insurance is underwritten by Lloyd's, the largest and oldest insurance marketplace in the world. With over 300 years of solid history, you can be assured that you will be taken care of properly in time of need.
With Atlas plans you have the flexibility to customize many of the following elements.
- Purchase Duration: 5 days to 364 days.
- Extension: You can extend for any number of days.
- Cancellation: In case of earlier departure, you will get a pro-rated refund minus $25 cancellation, provided no claims have been filed since the original effective date.
- Deductible Choices: Starting from $0 and up to $5,000.
- Policy Maximum Choices: Ranging from $50,000 to $1,000,000.
Compared to classic Atlas America insurance, there are several restrictions, as there is no coverage for the following benefits:
- Acute onset of pre-existing conditions for any age.
- Complications of pregnancy. In case of elderly people, that is not a concern anyway.
- Acute, unexpected dental pain. Consider purchasing Careington Dental/Vision Plan additionally.
- Emergency reunion, return of minor children, trip cancellation or loss of checked luggage.
- Accidental Death & Dismemberment, or Common Carrier Accidental Death.
- Identity theft assistance.
- Hospital indemnity.
- Natural disaster benefit.
Additionally, there are reductions in benefits:
- After deductible, it pays 75% to the selected policy maximum. In case of large expenses, you may end up paying a significant amount out of your pocket.
- Benefit limit for Emergency medical evacuation and return of mortal remains is lower.
Therefore, if the person is healthy, the Atlas Essential America plan would be an excellent low-cost, comprehensive visitors insurance that would save some money as the premium is lower.