Atlas America insurance coverage for parents and travelers visiting USA

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Atlas America visitor travel medical insurance is an effective coverage for visitors to USA. It also offers pre-existing conditions coverage. This insurance is administered by HCC Medical Insurance Services Insurance

Plan Highlights

Policy Maximum:
Age 80+: $10,000.
Age 70 to 79: $50,000.
All others: $50,000, $100,000, $200,000, $500,000 or $1,000,000
Deductible:
$0, $100, $250, $500, $1,000 or $2,500 per certificate period
Co-insurance:
Claims incurred in U.S. or Canada: For the certificate period, underwriters will pay 80% of the next $5,000 of eligible expenses after the deductible, then 100% to the overall maximum limit. Coinsurance will be waived if expenses are incurred within the ppo and expenses are submitted to underwriters for review and payment directly to the provider
Claims incurred outside U.S. or Canada: For the certificate period, underwriters will pay 100% of eligible expenses after the deductible up to the overall maximum limit
Eligibility:
Non-US Citizens traveling outside their home country
Coverage:
Emergency dental (acute onset of pain) - $250 limit per certificate period (not subject to deductible or coinsurance)
Trip interruption - $5,000 limit per certificate period (not subject to deductible or coinsurance)
Lost checked luggage- $250 limit per certificate period (not subject to deductible or coinsurance)
Local Ambulance - Usual, reasonable and customary charges, when covered illness or injury results in hospitalization as inpatient
Accidental death and dismemberment (excludes loss due to common carrier accident)- Not subject to deductible or coinsurance.
Insured aged 18 years and older: Lifetime maximum - $25,000; Death - $25,000; Loss of 2 limbs - $25,000; Loss of 1 limb - $12,500; Benefits reduce 50% at age 70 and an additional 50% at age 75
Insureds under 18 years: Lifetime maximum - $5,000; Death - $5,000; Loss of 2 limbs - $5,000; Loss of 1 limb - $2,500; $250,000 maximum benefit any one family
Benefit Period:
90 days
Optional Coverage
Accidental Death & Dismemberment - Additional $50,000 up to a total of $100,000 coverage at an additional price of $0.25 per day
Acute Onset of Pre-Existing Conditions:
Acute onset of pre-existing condition
Plan Maximum Pre-existing Condition Coverage Limit
$100,000, $200,000, $500,000 or $1,000,000 $100,0000 lifetime maximum for eligible medical expenses
$50,000 $50,0000 lifetime maximum for eligible medical expenses
Covers travelers under the age of 70 years
$25,000 lifetime maximum for emergency medical evacuation

Pros in the coverage

  • Best plan for travelers visiting the US who have been here for some time and do not have a current insurance coverage.
  • Travelers on OPT and H4 status are covered with good medical coverage.
  • When both parents are covered under this plan there is free coverage for the 2 children aged less than 9 years.
  • Plan pays 100% of medical expenses with PPO network inside USA.
  • No need of medical underwriting for eligible travelers.
  • Pre-existing conditions are covered for customers less than 70 years.

Cons in the coverage

  • Lower policy maximum for higher the age of the policy holder.

  • Pre-existing conditions are not covered above 70 years.

  • Any participation in sports activities the AD&D benefit is deleted.

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