Reg health insurance - Atlas Exchange

[submittedviaemail]

Hi,

For Atlas exchange with 100% coverage, can you please confirm that I will have to pay nothing beyond a deductible of $250 for my medical needs, excepting that my bills overshoot the upper limit of $100,000.

Thanks.

[insubuy]

We cannot confirm that you won’t have to pay anything beyond the deductible since that will be determined at the time of the claim. The plan will pay 100% for covered medical expenses unless there is a benefit limit in the certificate wording. The plan will cover for any new illness or injury and will not cover pre-existing conditions, preventative care, or routine maintenance.

[submittedviaemail]

Hi,

Is there any difference between 'per policy period' and 'per certificate period' in insurance terms of Atlas Exchange. For 'per certificate period' I need to understand if renewal of policy beyond six months will carry forward my deductible.

Thanks.

[insubuy]

Hello,

There is one deductible for a continuous policy up to one year.

[submittedviaemail]

Hi,

What are pre-existing conditions. Suppose some child gets regular fever/soar throat or flu after policy initiation, I hope there will be no issue like a pre-existing condition.


Thanks.

[insubuy]

Hello,

Pre-existing condition are anything that is already present before the effective date of the plan. If there is a question, it would be determined at the time of claim by the claims department based on certificate wording and the doctors notes.

[submittedviaemail]

Hi,

How many times can one renew the policy without loosing the deductible paid once?

[insubuy]

Hello,

Up to 1 year as previously mentioned.

If you have additional questions please provide your phone number and one of our agents can contact you.

[submittedviaemail]

Hi,

Thank you very much. I didnt know I will have so many questions, but now most of them are settled. Thank you for excellent support over the whole day.

Thanks.

[insubuy]

Hello,

You’re welcome. We are happy to answer all of your questions. In some cases it is easier to call and go over all of your questions and concerns at one time. Either way we are here to help.