First of all Thanks to INSUBUY & Immihelp having all the required info at one place. It is very helpfull.
My Query is :
I am planning to take visitor insurance for my in-laws for 6 months. I am in dilemma which one to take “Patriot America” or “Atlas America’ , for decided that I need some clarification on these below two options from plans comparison sheet.
Hospital emergency room ( all expenses incurred therein)--
Patriot America -- To Policy Maximum, Extra $250 deductible/visit if ER visit for a sickness (not injury/accident) doesn't result in direct hospital admission
Atlas America : To Policy Maximum, if subsequently not admitted for further treatment of sickness , treatment is covered, but room charges not covered .
Can you please explain,
Below scenario : if we go to ER due to any body part (eg: heart pain..etc) pain using Ambulance Service (eg: calling 911 ), Does Patriot America Plan covers both Treatment & Ambulance Service after $250 penalty ?
Patriot America Plan- Not covered
Atlas America : Acute onset only ,($15,00 ( medical), $25,000 (medical evacuation) for persons under age 70)
Any one can you please explain what does "Acute Onset Only" means ?
Thanks In advance.