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Your claim? Your cash.

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Atlas Direct pays predetermined cash amounts directly to you whenever covered medical events occur.

This "fixed indemnity" payment model has several notable features:

  • There are no deductibles or copays
  • Payments go directly to you, not providers
  • Cash benefits can be used for any expense, not just medical bills
  • There are no open enrollment periods, so you can enroll at any time
  • There are no network restrictions
  • Payments can be used to supplement other insurance coverage
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Atlas Direct + DPC

We've designed our supplemental coverage to work specifically with Direct Primary Care

Pills

While DPC handles a lot of the smaller stuff

Check-ups, labs, prescriptions, prevention

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Atlas Direct helps to cover some of the bigger stuff

Emergency room, hospitalization, surgeries, maternity care

For complete details about benefits, eligibility, limitations, and exclusions, please see our brochure.

Learn More about Direct Care
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How much will this set you back?

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$445 or less per month for a family of four with
two children under 20 and two adults under 40.

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Compare that with this partial list of Atlas Direct’s supplemental cash benefits:

  • $1,500 per hospital admission
  • $3,700 per day for hospital confinement
  • $1,500 per ground or water ambulance
  • $5,000 per vaginal delivery
  • $1,500 for Emergency Room care
  • $9,500 for rotator cuff repair
  • $18,500 for radical bilateral mastectomy
  • $22,500 for laparoscopic prostatectomy

For the full list of benefits and information on eligibility, limitations, and exclusions, see our brochure.

How it
Works

1

Simply sign up
on our website or app

2

Enter your details

With our aged-based pricing, you'll know exactly how much you can expect to pay.

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Take healthcare into your own hands

With your Atlas Direct account, you'll be able to view and manage your policies, file claims, and directly message our customer support team.

No chatbots. No third-party call centers. Just direct communication with insurance professionals.

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Accessible. Immediate.

Had an ER visit? Need to know if a given surgery is covered? Want to file a claim? You can handle all those issues and more from your Atlas Direct account. Filing new claims is a breeze, and so is getting answers about your covered benefits.

Dedicated support

Have any questions? Our dedicated support team is on-hand to make sure you have everything you need. Simply reach out to hello@altas.direct.

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Get effective supplemental coverage today

Sign Up Today

The insurance policy advertised on this website offers limited health benefit coverage and is a supplement to, rather than a replacement for, comprehensive major medical insurance coverage. It is designed to provide benefits at preselected, fixed dollar amounts for covered diagnoses. This limited benefit coverage does not satisfy the minimum essential coverage requirements of the Affordable Care Act. Coverage is not available to insureds age 65 or over.

The policy is a group fixed-indemnity plan that is underwritten by Pan-American Life Insurance Company, 601 Poydras Street, New Orleans, LA 70130 under policy form G-NHI23-P. The policy has exclusions and limitations. Coverage and plan options may vary or may not be available in all states. Refer to the policy and certificate of coverage for complete terms and conditions. Premiums may vary by state. Get a quote to see your premiums. Underwriting approval is required to purchase coverage.

The Direct Care Foundation is the policyholder and membership in the Direct Care Foundation is required for eligibility to buy this coverage.

Atlas Direct Agency LLC (ADA) is a licensed insurance agency (Nevada #4005774) appointed by Pan-American Life Insurance Company. The purpose of the material on this website is the solicitation of insurance. An insurance agent may contact you. Insurance quotes are provided by ADA.

Atlas Direct is a service mark of ADA.

This website and its contents are a resource that is for informational purposes only and reflect information available at the time of publication. This information is not a guarantee of rates, coverage, or benefit levels. Nothing on this site changes or overrides any terms of insurance policies issued by Pan-American Life Insurance Company. If there is any conflict between the information provided here and the terms of a policy, the policy terms will take precedence.