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difference between Atlas America Premium and Atlas America insurance

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  • difference between Atlas America Premium and Atlas America insurance

    Could you please let me know what is the difference between Atlas America Premium and Atlas America insurance plan? I looked both of them and observed that one is covering 90% until $5000 and the other 80% till $5000. Is there any other difference, Please let me know?

  • #2
    Hello,

    Thank you for contacting Insubuy for your insurance needs.

    For your convenience we have attached a comparison of the two plans for your review.

    The Coinsurance difference will be the major differences in the plans.

    Atlas America vs Atlas Premium America: https://www.insubuy.com/compare/atla...ica-insurance/

    If you have any questions please feel free to contact our office.
    Thanks & Regards
    Insubuy
    Toll Free: (866) INSUBUY
    Local: (972) 985-4400
    Fax: (972) 767-4470
    Website: http://www.insubuy.com

    Comment


    • #3
      Thanks! can you please let me know what is the max out of pocket for each of these 2 plans? If I take Atlas America in which 20% is co-insurance but i need to know what is the max out of pocket.

      Comment


      • #4
        Hello,

        As these are short term plans there is not a concept of and out of pocket maximum, that is a concept use within domestic insurance plans.

        With a short term plan it will cover up to your chosen policy maximum and anything beyond your policy maximum you are responsible for out of pocket whatever that amount would be.

        The plans will never pay beyond the listed amount of coverage you have purchased after your deductible and coinsurance.
        Thanks & Regards
        Insubuy
        Toll Free: (866) INSUBUY
        Local: (972) 985-4400
        Fax: (972) 767-4470
        Website: http://www.insubuy.com

        Comment


        • #5
          Okay. I am trying to understand coinsurance and how much one has to pay in the event they need it. Once deductible is met then each time there is a claim, insured has to pay 20% of $5000 for each claim and reaming insurance pays. Right?

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          • #6
            Hello,

            Using the Atlas America plan as a reference you will meet your deductible first. Your deductible on the plan will be annual. So you will pay it once during the lifetime of the policy.

            After your deductible has been met your coinsurance will begin. If you have a 80/20 coinsurance your will be responsible for 20% additional of the medical bill so that would be an additional $1,000. So in a worst case scenario if anything were to happen you would pay a total of $1,250.00 (provide your deductible is $250) keeping in mind anything above the policy maximum would be your responsibility.

            If you need any further clarification please do not hesitate to contact our office.
            Thanks & Regards
            Insubuy
            Toll Free: (866) INSUBUY
            Local: (972) 985-4400
            Fax: (972) 767-4470
            Website: http://www.insubuy.com

            Comment


            • #7
              I am still trying to understand coinsurance component. For example if I take $50k plan with 80/20 coinsurance and $500 deductible. If first time my claim is $10,500, I am responsible for
              Deductible = $500
              20% of $5k = $1000
              and insurance pay $9k . Right
              If I have second claim for $10k, I am responsible for
              20% of $5k = $1000 and Insurance pay $9K. Right?

              Comment


              • #8
                Hello,

                Everything in your example is correct except for the second visit. Please see the correction to the example listed below.

                $10,500, I am responsible for
                Deductible = $500
                20% of $5k = $1000
                and insurance pay $9k . Right
                If I have second claim for $10k *On a second claim you have
                met your deductible and your coinsurance so you will pay
                nothing on your second claim * so the Insurance pays $10K.

                I hope this helps please let me know if you need any further assistance.
                Thanks & Regards
                Insubuy
                Toll Free: (866) INSUBUY
                Local: (972) 985-4400
                Fax: (972) 767-4470
                Website: http://www.insubuy.com

                Comment


                • #9
                  Thanks! One quick question, since Atlas uses PPO network, does it mean they contracted rates with in network providers? Just curious

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                  • #10
                    Hello,

                    In network providers will have network negotiated rates for the eligible expenses.
                    Thanks & Regards
                    Insubuy
                    Toll Free: (866) INSUBUY
                    Local: (972) 985-4400
                    Fax: (972) 767-4470
                    Website: http://www.insubuy.com

                    Comment

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