Originally posted by insubuy
We will call/email if we have more specific questions, but for now the questions are pretty general.
One other thing I noticed reading the policy documents is that it seems that Patriot Platinum requires pre-certification whereas Atlas America does NOT? Is this correct?
We are definitely leaning towards Atlas America as it seems that they would have a higher limit for acute exacerbation for pre-existing conditions ($2 million maximum with $2 million policy vs $1 million maximum for Patriot Platinum). Further, I would venture that Patriot Platinum would try to make things fall under the "acute exacerbation of pre-existing condition" category if at all possible as this saves them money if the policy is for an amount higher than $1 million.
Thank you for the link to the helpful web page.
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