Mixed Insurance Banners Health Insurance for Visitors to USA

Announcement

Collapse
No announcement yet.

ER charges with Atlas America / Safe Travel USA and other queries

Collapse
X
 
  • Filter
  • Time
  • Show
Clear All
new posts

  • ER charges with Atlas America / Safe Travel USA and other queries

    Hi,

    I am looking to buy visitors insurance for my mother. Was checking the benefits of Atlas America and Safe Travel USA. Had a query regarding the Emergency Room charges. In Atlas America Plan, it is mentioned the penalty of $200 for ER if the sickness doesn't require hospitalization. Does that mean we need to pay out of pocket for the entire ER charges(physician, etc) + $200 extra? or is it the insurance covers the ER charges and we pay $200 as penalty?

    And how is the similar situation (not hospitalizing at ER visit) handled with Safe Travel USA , as it doesn't state anything explicitly?

    The second query is regarding the outstanding restrictions with Atlas America Plan. It states that it doesn't cover Skin Diseases. Is it referring to the pre-existing condition only or even the new ones? I mean will the insurance cover any skin allergies / rashes, etc that happen after the visitors arrival in USA?

    The third query is does Atlas America cover any nervous system disorder - like temporary amnesia caused due to a fall or any head/brain injury, etc? As there is a point mentioned that it doesn't cover mental and nervous disorder and substance abuse.

    Thank you

  • #2
    Thank you for your interest in purchasing visitors insurance for your mother.

    1. If you visit an emergency room for an eligible sickness for which you are not subsequently admitted into the hospital, you will have to pay $200 penalty for such visit in Atlas America. Please read https://www.insubuy.com/what-is-visitors-insurance/ for further clarification.

    Safe Travels USA does not have any such penalty.

    2. In Atlas America, skin diseases are not covered even if they are new.

    3. From what you have described, that seems like a medical condition and not a mental condition. In any case, it is not possible to answer the hypothetical questions accurately. It will be determined at the time of the claim as each case is unique.

    I hope that answers your questions.

    If you have any other questions, please feel free to post them here or contact us at any time.

    Otherwise, you can purchase either of the plans online at https://www.insubuy.com
    Thanks & Regards
    Insubuy
    Toll Free: (866) INSUBUY
    Local: (972) 985-4400
    Fax: (972) 767-4470
    Website: http://www.insubuy.com

    Comment


    • #3
      Atlas America NY State restrictions

      Thanks for the details...

      As it is mentioned that the person should not be physically present in NY state at the time of application. So do the service providers also have similar restrictions when it comes to billing directly to HCC ? Will there be any issues or concerns to NY state service providers with Atlas America Plan?

      Comment


      • #4
        There are no such restrictions regarding the providers in NY.
        Thanks & Regards
        Insubuy
        Toll Free: (866) INSUBUY
        Local: (972) 985-4400
        Fax: (972) 767-4470
        Website: http://www.insubuy.com

        Comment

        {{modal[0].title}}

        X

        {{modal[0].content}}

        {{promo.content}}

        Working...
        X