Traveling to a foreign land is always an exciting experience, offering new sights, sounds, and cultures. But it can also be quite risky – particularly if you fall ill or get injured. Even a minor ailment can turn into a major health crisis if you are not able to access timely medical care.
This is where Atlas America Insurance comes in. Atlas America Insurance is a comprehensive health insurance policy designed specifically for travelers to the United States of America (USA). It offers a range of benefits to keep you protected and secure during your travels.
What is Atlas America Insurance?
Atlas America Insurance is an international health insurance policy offered by HCC Medical Insurance Services, LLC (HCCMIS). It is designed to provide comprehensive medical coverage to visitors to the USA, including tourists, students, and immigrants.
Atlas America Insurance is underwritten by Lloyd’s of London, an internationally recognized insurance provider with a reputation for financial stability and excellent customer service. The policy provides coverage for a wide range of medical expenses, including hospitalization, doctor’s visits, emergency room treatment, and prescription drugs.
Despite its comprehensive coverage, Atlas America Insurance is affordable and flexible, making it a popular choice among travelers to the USA.
What Does Atlas America Insurance Cover?
Atlas America Insurance provides coverage for a wide range of medical expenses, including:
Medical Service |
Coverage Limit (USD) |
|---|---|
Inpatient Hospitalization and Surgery |
Up to policy maximum |
Outpatient Medical Expenses |
Up to policy maximum |
Emergency Room Treatment |
Up to policy maximum |
Prescription Drugs |
Up to policy maximum |
Emergency Medical Evacuation |
Up to $1,000,000 |
Repatriation of Remains |
Up to $50,000 |
Acute Onset of Pre-existing Conditions |
Up to $100,000 |
Atlas America Insurance also provides coverage for emergency medical evacuation, repatriation of remains, and acute onset of pre-existing conditions, subject to policy limits and conditions.
Inpatient Hospitalization and Surgery
Atlas America Insurance covers the cost of inpatient hospitalization and surgery, including room and board charges, surgeon fees, and operating room costs. The policy also covers the cost of anesthesia and other medically necessary services.
To be eligible for coverage, hospitalization and surgery must be recommended by a licensed physician and must be necessary for the treatment of a covered injury or illness.
Outpatient Medical Expenses
Atlas America Insurance covers the cost of outpatient medical care, including doctor’s visits, diagnostic tests, and laboratory fees. The policy also covers the cost of emergency treatment received at an urgent care center or walk-in clinic.
To be eligible for coverage, outpatient medical expenses must be recommended by a licensed physician and must be necessary for the treatment of a covered injury or illness.
Emergency Room Treatment
Atlas America Insurance covers the cost of emergency room treatment, including room and board charges, physician fees, and diagnostic tests. The policy also covers the cost of medically necessary services, such as X-rays and blood tests.
To be eligible for coverage, emergency room treatment must be necessary for the treatment of a covered injury or illness and must be received within 12 hours of the onset of symptoms.
Prescription Drugs
Atlas America Insurance covers the cost of prescription drugs, including generic and brand-name medications. The policy also covers the cost of medically necessary medical supplies and equipment.
To be eligible for coverage, prescription drugs must be prescribed by a licensed physician and must be necessary for the treatment of a covered injury or illness.
Emergency Medical Evacuation
Atlas America Insurance provides coverage for emergency medical evacuation, which is the transportation of a patient from one medical facility to another for the purpose of receiving necessary medical care. The policy covers the cost of transportation by ambulance, helicopter, or other medically necessary means.
To be eligible for coverage, emergency medical evacuation must be recommended by a licensed physician and must be necessary for the treatment of a covered injury or illness.
Repatriation of Remains
Atlas America Insurance provides coverage for the repatriation of remains, which is the transportation of a deceased person’s body back to their home country. The policy covers the cost of transportation by air or ground and the cost of necessary funeral arrangements.
To be eligible for coverage, repatriation of remains must be necessary as a result of a covered injury or illness.
Acute Onset of Pre-existing Conditions
Atlas America Insurance provides coverage for the acute onset of pre-existing conditions, which are medical conditions that existed before the start of the policy and were not covered by any previous insurance plan. The policy covers the cost of treatment for sudden and unexpected recurrence or worsening of a pre-existing condition, up to the policy maximum.
To be eligible for coverage, the acute onset of pre-existing conditions must occur within the first 24 months of the policy start date and must be sudden and unexpected.
How Much Does Atlas America Insurance Cost?
The cost of Atlas America Insurance depends on a variety of factors, including your age, travel destination, and length of stay. As a general rule, the cost of coverage ranges from $2 to $10 per day.
To get a quote for Atlas America Insurance, simply visit the HCCMIS website and enter your travel details. You can customize your coverage options to meet your specific needs and budget.
How to Buy Atlas America Insurance?
Buying Atlas America Insurance is easy and convenient. You can purchase coverage online through the HCCMIS website, or by calling their toll-free number. You will need to provide some basic information, such as your travel dates, destination, and personal details.
Once you have purchased your policy, you will receive a confirmation email with your policy details and important information about how to use your coverage while traveling in the USA.
FAQ
Does Atlas America Insurance cover COVID-19?
Yes, Atlas America Insurance provides coverage for COVID-19 medical expenses, subject to policy limits and conditions. However, the policy does not cover expenses related to quarantine or travel restrictions.
What is the policy maximum for Atlas America Insurance?
The policy maximum for Atlas America Insurance ranges from $50,000 to $2,000,000, depending on the coverage option you choose.
Does Atlas America Insurance cover dental or vision care?
Atlas America Insurance does not provide coverage for routine dental or vision care. However, the policy may cover emergency dental or vision care that is necessary as a result of a covered injury or illness.
What is the deductible for Atlas America Insurance?
The deductible for Atlas America Insurance ranges from $0 to $5,000, depending on the coverage option you choose.
Can I cancel my Atlas America Insurance policy?
Yes, you can cancel your Atlas America Insurance policy at any time before the start of your coverage period. However, you may be subject to a cancellation fee.
Atlas America Insurance is a great option for travelers visiting the USA who want comprehensive medical coverage at an affordable price. With a range of benefits and flexible coverage options, Atlas America Insurance provides peace of mind and protection during your travels.