Atlas Premium America is a comprehensive coverage plan for non-U.S. citizens traveling outside their home country. You can obtain an instant quote and/or purchase online on this web site. The insurance coverage can start as early as today or any future date you specify. As soon as you make a purchase, you will receive a virtual id card in your email. Physical cards along with the policy will be mailed to you on the next business day. You should receive them in about five to seven business days within the United States.
Further information about Atlas Premium America Insurance.
What is covered and not covered?
The insurance company will generally pay for new medical conditions, injuries or accidents that may occur after the effective date of the policy. It does not cover any routine expenses related to pre-existing conditions, preventive check ups, immunizations or maternity.
For persons below the age of 70 years, Atlas Premium America covers up to overall policy maximum for acute onset of pre-existing conditions.
U.S. Urgent care visit is $50 copay and not subject to deductible; if your deductible is $0, the $50 copay is waived. After which co-insurance may apply; if applicable. Should you visit the emergency room for a sickness (not for injury) and you are not admitted into the hospital, there is $200 penalty per visit.
Prescription drugs are covered like any other eligible medical expenses.
Dental is covered only up to $250 for acute pain to sound and natural teeth. For any practical dental coverage, consider a low cost plan from CAREINGTON that provides excellent coverage.
Atlas Premium America provides coverage anywhere outside of your home country including travel time as well. It also covers loss of checked luggage.
How do I use the insurance?
Please look at the detailed description.
How much is covered?
First, you will have to pay your chosen deductible once per policy period (varies from $0 to $2,500) before the insurance company starts paying anything for the covered expenses, even for doctor visits. You will need to continue to pay all the money yourself until you have completely satisfied the deductible. The deductible is not just for hospitalization. There is no concept of copay, except for U.S. Urgent Care visits and visits to the emergency room for an illness that does not result in admission to the hospital.
After that, within First Health PPO network, the plan pays 100% up to the selected policy maximum, ranging from $20,000 to $2,000,000, depending upon your age. Otherwise, the plan pays 90% of the next $5,000 of covered expenses, you pay 10%. In other words, you will have to pay a maximum $500 out of your pocket towards the 10% coinsurance. (You don't have to pay this 10% for expenses incurred outside the U.S. or Canada.) Then, the plan pays 100% up to the selected policy maximum.
Let's assume that you have purchased a $50,000 policy maximum with a $250 deductible for 3 months.
Let's assume that the doctor charges you $150/visit and you need to visit several times.
The first time you visit the doctor, you will have to pay all of that $150 yourself. You still have $100 left towards the unsatisfied deductible.
On the second visit, you will have to pay $100 yourself. You have now completely satisfied your deductible once per policy period. If you visit the provider in the networ, the plan pays the remaining $50. Otherwise, it will pay 90% which is $45 and you pay 10% which is $5.
For any subsequent treatment (whether for the same condition or a different condition), you don't have to pay the deductible again. If the provider were out of the network, the insurance company will continue to pay 90% for the first $5,000 of covered medical expenses, you continue to pay 10% (that is maximum $500).
After that, the insurance company will pay 100% for covered medical expenses, up to $50,000. If you incur any expenses beyond $50,000, you will be responsible to pay that amount.
Let's assume that you were in an accident and are hospitalized for 2 days.
The hospital charges $12,000 per day for a total bill of $24,000. Assuming this is the first instance of your needing to use the insurance, you pay your $250 deductible, and the insurance company will pay the rest as long the hospital is in the network. Otherwise, you pay the $250 deductible plus $500 (10% of first $5,000) and the insurance company will pay the rest.
Even if you renew your insurance, you don't have to pay the deductible again.
You visit an urgent care. You simply pay $50 copay and as long as the Urgent Care center is in network the rest is covered at 100% for eligible expenses, otherwise a 10% co-insurance applies. Urgent care visit is not subject to deductible. (If you had selected a $0 deductible, then you would not pay a $50 copay.)
You go to an emergency room for a sickness. The hospital does some test and gives some treatment but does not admit you. In additional to your deductible and applicable coinsurance, you will pay to additional $200 penalty for that visit, because you were not admitted. However, if it were an injury or accident, you wouldn't have to pay $200 penalty, even if you were not admitted.