Atlas America is a percentage based comprehensive plan. The plan covers for any unexpected sickness or injury that starts after the policy becomes effective.
Which doctor to go to?
You can go to any doctor or hospital of your choice. However it is better to go to a doctor within the PPO network to get better provider rates, and better percentage of coverage. The Atlas America plan is part of the First Health PPO network. To search for nearby providers in your area visit Atlas America Insurance Providers
How does the Deductible Work?
The deductible is the first amount of the covered bill that is the insured persons responsibility, before the insurance starts paying. The deductible for the Atlas America plan is one time in the policy period. If the policy expires, and you need to buy a new policy, then the deductible would reset again. The Atlas America Plan is available for a maximum of 364 days.
Coverage within USA & Canada
In USA and Canada, the Atlas America Plan coverage varies slightly,if you visit a provider within or outside the First Health PPO Network.
Within the First Health PPO Network: After the deductible is met by the insured person, the plan pays 100% up to the policy maximum, for all covered services.
Outside the PPO network: After the deductible, the plan pays maximum up to URC. Any amount above the URC and policy maximum is the insured persons responsibility.
For Coverage outside USA and Canada:
Outside USA & Canada, after the deductible is met, the plan pays 100% up to the policy maximum.
All expenses beyond the policy maximum are the responsibility of the insured.
Read the Atlas America Insurance brochure for complete details.