Atlas america (HCC MIS) Coverage question. THis coverage states that it covers a pre-existing condition before age 70. Do you cover it if over 70? and if so what is the requirements and co-pays look like?
Pre-existing conditions are not covered under any type of travel medical insurance due to the short-term nature of the plans. The only thing that is covered in relation to a pre-existing condition is something diagnosed as an acute onset of a pre-existing condition. An acute onset of a pre-existing condition is diagnosed as a sudden and unexpected reccurence of a pre-existing condition and is up to the attending physician to diagnose. The best way to get the most thorough understanding of what an acute onset of a pre-existing condiiton is, especially for Atlas America, is by viewing the Description of Coverage.
With Atlas America, an acute onset of a pre-existing condition is covered up to the policy maximum for anyone under the age of 70. The deductible that you have selected and the coinsurance still applies. You can also view the Atlas America brochure to see all the details of the coverage.
Insurance rates are regulated by law. You can't find the same insurance plan for a lower price anywhere else