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Atlas Natural Disaster Coverage? ER?
Dear InsuBuy,
After reading through this website, I went from "totally confused" to "educated consumer" in just a few hours! Wow! Thanks so much for all the wonderful info!
My MIL is coming to visit us here in Florida in September and October and I'm deciding between IMG Protection America and MNU Atlas America. Your answers to the following questions would be greatly appreciated:
1. Some other insurance brokers’ sites list natural disaster coverage - (weather related: hurricane, flood etc) under Atlas America. It is listed in the brochure right between "repatriation of remains" and "emergency cash". My guess is those are last year's brochures and MNU dropped the coverage sometime after Katrina, but I still thought I should confirm this with you. Who knows, maybe they've just added that coverage and you haven't yet had a chance to update your site (am I an optimist!
).
2. Hygeia PPO vs. First Health: In your experience, who has lower network negotiated rates, or are they pretty much the same? I'm assuming the negotiated rate would apply to the deductible, as well as 20% coinsurance.
3. MIL has type 1 diabetes. I know, anything pre-existing won’t be covered. We are buying the insurance mainly to cover accidents, Godforbid. In your experience, who is less likely to try denying legitimate claims saying it’s all due to diabetes or she was more susceptible to illness because of her diabetes (e.g. pneumonia, indigestion)?
4. Atlas doesn’t cover diseases of the skin. Would that include allergies?
5. Emergency Room use: In case visit to ER doesn’t end in hospitalization, Protection America will require additional $250 deductible, while Atlas just plainly won’t cover it. Have I read that correctly?
So far, it seems like Atlas provides some extras, like terrorism protection and early pregnancy complications protection and hopefully hurricane coverage, but they also list more exclusions. Your answer to question 5 is probably what should make our decision for us.
TIA!
After reading through this website, I went from "totally confused" to "educated consumer" in just a few hours! Wow! Thanks so much for all the wonderful info!
My MIL is coming to visit us here in Florida in September and October and I'm deciding between IMG Protection America and MNU Atlas America. Your answers to the following questions would be greatly appreciated:
1. Some other insurance brokers’ sites list natural disaster coverage - (weather related: hurricane, flood etc) under Atlas America. It is listed in the brochure right between "repatriation of remains" and "emergency cash". My guess is those are last year's brochures and MNU dropped the coverage sometime after Katrina, but I still thought I should confirm this with you. Who knows, maybe they've just added that coverage and you haven't yet had a chance to update your site (am I an optimist!
).2. Hygeia PPO vs. First Health: In your experience, who has lower network negotiated rates, or are they pretty much the same? I'm assuming the negotiated rate would apply to the deductible, as well as 20% coinsurance.
3. MIL has type 1 diabetes. I know, anything pre-existing won’t be covered. We are buying the insurance mainly to cover accidents, Godforbid. In your experience, who is less likely to try denying legitimate claims saying it’s all due to diabetes or she was more susceptible to illness because of her diabetes (e.g. pneumonia, indigestion)?
4. Atlas doesn’t cover diseases of the skin. Would that include allergies?
5. Emergency Room use: In case visit to ER doesn’t end in hospitalization, Protection America will require additional $250 deductible, while Atlas just plainly won’t cover it. Have I read that correctly?
So far, it seems like Atlas provides some extras, like terrorism protection and early pregnancy complications protection and hopefully hurricane coverage, but they also list more exclusions. Your answer to question 5 is probably what should make our decision for us.
TIA!
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