How does the Atlas America Insurance Plan Work?

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 UnitedHealthcare 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 person's 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.

Plan Coverage

After the deductible is met, for all covered services, both within and outside the USA, the plan pays 100% up to policy maximum.

$15,000 Hospital Bill
$500 Deductible
$100,000 Policy Maximum

You Pay $500 Deductible

Insurance Pays $14,500 Up to Policy Maximum

Read the Atlas America Insurance brochure for complete details.


Information provided here is high level, provided for your convenience and information purpose only. Please review the Evidence of Coverage and Plan Contract (Policy) for a detailed description of Coverage Benefits, Limitations and Exclusions. Must read the Policy Brochure and Plan Details for complete and accurate details. Only the Terms and Conditions of Coverage Benefits listed in the policy are binding.