Ask Our Specialists

Please see the answers to your questions below. If you have additional questions please contact our office to speak with a licensed agent. 1. How the Plan works ? ( I am planning to purchase for $50,000 Policy with $250 Deductible) Please see Atlas America for details on how the plan works. 2. What is the PPO network this plan supports ? The First Health PPO Network. 3. Can I go to any Hospital/Doctor who are not part of the PPO network ? In that case how the plan works ? Will it be direct billing or I have to submit a claim request ? Yes, you can go in or out of network. Please see the link provided under question 1 for how the plan works. It is up to the provider if they will do direct billing or if they will expect payment from you and for you to file for reimbursement. Most hospitals will directly bill insurance. 4. If I purchase a $50,000 Policy with $250 Deductible for my Parents then $50,000 will be individually for Father and Mother i.e $50,000 will be for my Father and $50,000 will for my Mother , right ? or it is like total for both of them will be $50,000 ? The policy max is per person as is the deductible. 5. I regularly visit the below Hospital , could you please confirm this Hospital is covered under this plan and there will be direct billing for any Doctor visit or hospitalization billing ? Please see HCC PPO Network. It is up to the provider if they will do direct billing or if they will expect payment from you and for you to file for reimbursement. Most hospitals will directly bill the insurance. 6. I regularly visit the below Urgent Care,could you please confirm this Urgent Care is covered under this plan and there will be direct billing for any Doctor visit or hospitalization billing ? Also could you please let me know the 50$ Copay option is applicable at this Urgent Care facility ? Please see HCC PPO Network. The copay is applicable to any US urgent care. It is up to the provider if they will do direct billing or if they will expect payment from you and for you to file for reimbursement. 7. Will this plan cover doctor prescribed medicine bills ? over the counter medicine bills ? Yes, the plan has coverage for prescribed medication for any covered illness or injury. Over the counter medication is not covered under any plan. 8. Could you please explain the Copay option for the Urgent Care ? How Atlas America Insurance is different from Patriot America Plus Insurance in regards to Copay ? Atlas America has the $50 urgent care copay and Patriot America Plus does not so with Patriot plans you would pay out of your pocket until you have met the chosen deductible and then the plan will pay it's percentage.

The plans do not cover maternity except a couple of plans will cover pregnancy complications up to 26 weeks. Please provide your actual dates of travel and if you are on a visitor visa and we will forward a quote. If you have additional questions please feel free to contact our office.

As a broker, we provide insurance from most of the major companies that is available in US market. Insurance will pay for new sickness, injuries or accidents that may occur after the eff. date of the policy. It does not cover any routine maintenance for pre-existing or preventive care. However, we have many plans that covers an Acute Onset of Pre-existing Conditions. If you provide their travel date, date of birth and which state do you need coverage will be glad to send you quote by e-mail also. Meantime, please visit our website. Please enter appropriate criteria. You will find many plans and you can also compare them side by side. Most of the plans are renewable. You can extend the policy month by month. All those information you will find in comparison and in details section as well. We don't provide standalone life insurance for an international visitor. But the comprehensive medical insurance plan provides coverage for accidental death and dismemberment. We provide long term insurance but that is available only for US residents who has Social Security Number. Person who is visiting US on visitor visa don't have SSN. So they are not eligible to purchase long term insurance. Please feel free to contact us if you have any further questions.

We provide insurance from many companies. Most of the plan you can cancel before the eff. date you will get full refund. After the eff. date there will be cancellation fees and either rest pro-rated or fully unused month you will get refund depends on the plan you purchase. If you have decided any plan will be glad to inform you the refund policy. You can also visit our website. Enter appropriate criteria. You will find many plans and next to each plan under detail section you will see the refund and renewal procedure. If you are not sure how long your parents will stay in US. Please purchase for one month then you can extend their insurance. If you provide your parents age, travel date and which state do you need coverage will be glad to send you quote by e-mail also.

Thank you for your interest in purchasing insurance through us. You can purchase Student Secure Select or Study USA Preferred 500 Plan. You can compare both plans Please feel free to contact us if you have any further questions.

You can purchase either Atlas America or Patriot America Plus plan which will provide her coverage in US and Canada. You can also get quote at our website. Please select coverage area international including US and other appropriate information. You will find many plans and you can also compare them side by side. Please feel free to contact us if you have any further questions.