Insubuy Insurance

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Atlas Exchange - 6 Months Pre-existing Waiting Period - J1 exchange visitors and F1 students

Please use this high level information as a guide only and do not make any decisions solely based on this comparison. If you have any concerns, doubts or questions, please refer to the individual policy details for complete information as it is not possible to accurately represent all the details in concise information such as follows. Please call us for further details. If there is any discrepancy between this comparison and the actual policy details, the policy details will override.


All the amounts are in U.S. dollars.


Routine physicals and vision (eyeglasses, etc.) are not covered in any of the plans.


Note: For all Comprehensive Coverage Plans, benefits are the same regardless of the policy maximum unlike Fixed Coverage Plans.


 
Plan type Comprehensive Comprehensive Plans
Plan name
Atlas Exchange 6 Months Pre-existing Conditions
Co-insurance
After deductible, 100% to policy max;
or
After deductible, pays 80% to $5,000, then 100% to policy max.
MEDICAL - OUTPATIENT
Doctor/ urgent care visits U.S. Urgent Care: $50 copay. Not subject to deductible. Otherwise, to policy maximum.
Hospital emergency room (all expenses incurred therein) To policy maximum.
Extra $200 penalty/visit for a sickness (not injury/accident) that does not result in direct hospital admission.
Prescription drugs To policy maximum, maximum supply of 60 days per prescription.
Diagnostic x-rays lab services To policy maximum
Surgical treatment To policy maximum
To policy maximum
20% of primary surgeon charge. No standby availability coverage.
To policy maximum
MEDICAL - INPATIENT
Hospital room and board including miscellaneous To policy maximum, average semi-private room rate, including nursing services.
Intensive care unit To policy maximum
Surgical treatment To policy maximum
Anesthetist To policy maximum
Assistant surgeon 20% of primary surgeon charge. No standby availability coverage.
Physician's non-surgical visits To policy maximum
Consult physician, when requested by attending physician To policy maximum
To policy maximum
MEDICAL - OTHER TREATMENT AND SERVICES
Same as any other eligible medical expense.
Local ambulance
To policy maximum when covered illness or injury results in hospitalization as inpatient.
-
-
-
Only the complications of pregnancy, during first 26 weeks of pregnancy.
$50 /day
6 month waiting period, then $500 per certificate period.
Vantage America Rx Discount Card
Yes. First Health PPO
Yes
-
Benefit period for continued treatment following termination date of policy
90 days
DENTAL
$250*
To policy maximum
TRAVEL
$1,000,000 lifetime maximum. Separate from overall policy max.
To policy maximum
$5,000
$50,000, 15 days max.
$50,000
-
$5,000
$500
LIFE
Up to $50,000 (18 - 64 years); Up to $5,000 (Under age 18); $250,000 max/family.
$50,000 (18 - 64 years); $25,000 (Under age 18); $250,000 max/family.
OTHER
Incidental
$50,000
-
$100 /day
$100 /day, 5 days max
For every parent insured, one child under age 10 years is free. Maximum 2 children free.
PLAN FEATURES
Brochure
Provider Directory
Certificate Wording
Renewable
Renewable Yes, renewable in 1-day increments if purchased min. 5 days initially.
Cancellation policy Before effective date, full refund. After effective date, pro-rated refund minus $25 cancellation fee as long as no claims have been filed since the effective date.
5 day min - Up to 364 days - Renewable, Max 4 x 364 days
$0
$0
Help Help Help Help
Available deductibles
By Age
Varies
$0 0-64
$100 0-64
$250 0-64
$500 0-64
Policy maximum options
By Age
lifetime maximum
$100,000 0-64
$250,000 0-64
$500,000 0-64
Claims administrator Tokio Marine HCC Medical Insurance Services Group
Insurance company / Carrier / Underwriter Lloyds
A.M. Best rating A "Excellent"
    $5 renewal fee

  • *Not subject to Deductible or Coinsurance

  • To policy maximum, refers to the Usual, Reasonable and Customary charges (URC).

  • Coverages shown are per person unless noted otherwise.