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Visitors Insurance
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Atlas america
Narendra:
Planning to buy a visitor insurance for my father.
I can take care of minor expenses upto $1000 out of pocket. Would like to cover myself for major expenses though - pre-existing (upto limits that insurance supports) or none pre-existing. So narrowed down to Atlas America - policy max of $100K - deductible of $1000.
Lets take a case where he unexpectedly gets hospitalized (in-network) and incurs say $40,000 bill of which PPO negotitated rate is $32000.
If it is a pre-existing illness and it is an acute onset, Atlas would cover $15k and I would pay (or negotiate with the hospital) for the remaining $17k, correct?
If it is not pre-existing, Atlas would pay the entire $32k correct?
If it is pre-existing and no acute, then I would be responsible for $32k?
Thanks
Planning to buy a visitor insurance for my father.
I can take care of minor expenses upto $1000 out of pocket. Would like to cover myself for major expenses though - pre-existing (upto limits that insurance supports) or none pre-existing. So narrowed down to Atlas America - policy max of $100K - deductible of $1000.
Lets take a case where he unexpectedly gets hospitalized (in-network) and incurs say $40,000 bill of which PPO negotitated rate is $32000.
If it is a pre-existing illness and it is an acute onset, Atlas would cover $15k and I would pay (or negotiate with the hospital) for the remaining $17k, correct?
If it is not pre-existing, Atlas would pay the entire $32k correct?
If it is pre-existing and no acute, then I would be responsible for $32k?
Thanks
All Replies (3)
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