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
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
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