Atlas Direct is an insurance policy that combines straightforward cash benefits for hospital stays with specific cash benefits for ER visits, ambulance transportation, over 400 surgeries, and several other medical procedures and services, such as childbirth, skilled nursing care, and outpatient radiation or chemotherapy.

Atlas Direct pays predetermined dollar amounts directly to covered persons—but only for the limited set of benefits summarized below and always as defined in the Atlas Direct policy documents, which may vary from state to state. 

Critical Medical Services Benefits

  • $1,500 per hospital admission, max. 2 admissions per year
  • $3,700 per day for inpatient hospitalization, max. 26 days per year
  • $5,200 per day for intensive care, max. 18 days per year
  • $1,500 per ground or water ambulance, max. 1 per year
  • $5,000 per air ambulance, max. 1 per year
  • $1,500 per day for Emergency Room care, max. 1 per year

Maternity Benefits 

  • $5,000 per vaginal delivery, max. 1 per year
  • $8,000 per cesarean delivery, max. 1 per year

Surgical and Medical Procedures Benefits

Examples include: 

  • $1,500 for colonoscopy with biopsy  
  • $3,500 for strabismus correction 
  • $6,500 for laparoscopic hernia repair
  • $9,500 for rotator cuff repair
  • $11,500 for open uterine fibroid tumor removal
  • $15,500 for total hysterectomy
  • $16,500 for coronary stent placement
  • $18,500 for radical bilateral mastectomy
  • $27,500 for catheter closure of atrial septal defect
  • $22,500 for laparoscopic prostatectomy
  • $30,500 for the creation of a cerebral shunt

Our Additional Benefits

  • $750 per day for outpatient radiation or chemotherapy, max. 40 days per year
  • $300 per day for skilled nursing care, max. 30 days per year
  • $300 per day for hospice care, max. 60 days per year

Finally, please note that the above benefits are subject to a cumulative annual maximum of $100,000 per person for covered claims, meaning that covered claims will be paid until the cumulative amount paid in claims for the year reaches $100,000 per covered person. After $100,000 has been reached, no further claims payments will be made.   

It is also important to understand that Atlas Direct does not include Direct Primary Care, which you have to obtain from a Direct Primary Care provider who will charge you separately for their services. 

Finally, please understand that Atlas Direct is not a comprehensive major medical plan and that if you are looking for comprehensive health insurance you should consult with a licensed insurance agent or visit your state’s health insurance marketplace.

For additional details about Atlas Direct's benefits, eligibility, limitations, and exclusions, please see our brochure. For a list of the 439 surgeries and medical procedures covered by Atlas Direct, click here. 

There are no deductibles or copays.