Atlas Essential America

The Atlas Essential America plan is available almost anywhere you may travel internationally for vacation, study abroad, business, and mission work. Atlas Essential America represents the most economical version of our well-known Atlas Series.

What Does Atlas Essential America Cover?

International Coverage

Emergency Medical Evacuation

Would you know what to do if you found yourself in a life-threatening situation far from home? We are experienced in arranging emergency medical evacuations. Atlas Essential America covers eligible expenses necessary to transport you to the nearest medical facility qualified to treat your life-threatening condition.

Repatriation of Remains

What would your family do if disaster struck while you were away from home? The death of a loved one is never easy, no matter the circumstances. In the unfortunate event of your death while traveling abroad, the administrator will arrange for and cover eligible costs associated with the repatriation of your remains.

Terrorism

In these turbulent times, the risk of a terrorist attack is a reality. If you are in the wrong place at the wrong time, and the country or region you're visiting is NOT under a level 3 or level 4 travel advisory, Atlas Essential America offers coverage for eligible medical expenses resulting from those acts. Coverage excludes countries or regions for which the U.S. Department of State has issued a level 3 ("reconsider travel") or level 4 ("do not travel") advisory in the 6 months prior to your arrival date.

Atlas Essential America^* Quality Benefits

Hospitalization and Outpatient Treatment

If a covered illness or injury requires hospitalization, the plan provides coverage for costs associated with hospitalization, including intensive care unit and outpatient treatment.

Sports

Atlas Essential America includes coverage for eligible injuries and illnesses that could occur while participating in many popular vacation sports - skiing and snowboarding (recreational downhill and/or cross country), snorkeling, water skiing, and others - at no additional cost. Certain extreme sports are excluded from coverage.

*The description of coverage in these pages is for informational purposes only. Actual coverage will vary based the terms and conditions of the policy issued. The information described herein does not amend or otherwise affect the terms and conditions of any insurance policy issued by the administrator or its affiliates. In the event that a policy is inconsistent with the information described herein, the language of the policy will take precedence.

Atlas Essential America Schedule of Benefits and Limits

Benefit	Limits
Deductibles	$0, $100, $250, $500, $1,000, $2,500, or $5000 per certificate period.
Overall Maximum Limit Per Certificate Period	Age 80 or older - $10,000; Age 65 to 79 - $50,000, or $100,000; All others - $50,000, $100,000, $250,000, $500,000, or $1,000,000.
Coinsurance	Within the PPO: We will pay 75% of eligible expenses after the deductible to the overall maximum limit Outside the PPO: Usual, reasonable, and customary. You may be responsible for any charges exceeding the payable amount.
Eligible expenses are subject to deductible, coinsurance, overall maximum limit, and are per certificate period unless specifically indicated otherwise.
Benefit	Limits
Hospital Room and Board	Average semi-private room rate, including nursing services.
Local Ambulance	Usual, reasonable and customary charges, when covered illness or injury results in hospitalization as inpatient.
Intensive Care Unit	Up to the overall maximum limit.
Emergency Room Co-payment	Claims incurred in U.S. The member shall be responsible for a $200 co-payment for each use of emergency room for an Illness unless the member is admitted to the hospital. There will be no co-payment for emergency room treatment of an injury. Claims incurred outside the U.S. No co-payment
Urgent Care Center Co-payment	Claims incurred in U.S. For each visit, the member shall be responsible for a $15 co-payment, after which coinsurance will apply. (not subject to deductible) - Co-payment waived if $0 deductible elected. Claims incurred outside the U.S. No co-payment
Terrorism	Up to $50,000 lifetime maximum, eligible medical expenses only.
All Other Eligible Medical Expenses	Up to the overall maximum limit.
Emergency Travel Benefits	Limits
Emergency Medical Evacuation	Up to $500,000 lifetime maximum (not subject to deductible, coinsurance, or overall maximum limit).
Repatriation of Remains	Up to $25,000 lifetime maximum (not subject to deductible, coinsurance, or overall maximum limit).
Emergency Quarantine Indemnity - COVID-19 (must have a minimum of 30 days of coverage. Only available outside your home country.)	$50 a day for up to 10 days - not subject to deductible Proof of quarantine mandated by a physician or governmental authority required. Quarantine must be due to you testing positive for COVID-19/SARS-CoV2 or being symptomatic and waiting on diagnostic test results.
Local Burial or Cremation	Up to $5,000 lifetime maximum (not subject to deductible or coinsurance).