Atlas Direct’s insurance plan combines straightforward cash benefits for non-observational hospital confinement, ER visits, ambulance services, over 400 surgical and diagnostic procedures, and a range of additional medical services. They include coverage for childbirth, skilled nursing care, and outpatient radiation or chemotherapy treatments.

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

What follows below is an overview of coverage. Refer to the Certificate of Coverage and Schedule of Benefits that apply to your state of residence for complete details of coverage. If there are any discrepancies, the Certificate and Schedule will prevail. 

The Atlas Direct insurance plan’s benefits are summarized in the following table.

Critical Medical Services (PER PERSON) We Pay
Inpatient Hospital Confinement (Non-Observational, Non-Maternity, Illness/Injury)
(maximum per calendar year)
$3,700 per day
(26 days)
Intensive Care Unit
(maximum per calendar year)
$5,200 per day
(18 days)
Hospital Admission (First Inpatient Day, Non-Observational, Non-Maternity, Illness/Injury)
(maximum admissions per calendar year)
$1,500 per admission
(2 admissions)
Emergency Room
(maximum per calendar year)
$1,500 per day
(1 day)
Ground/Water Ambulance
(maximum per calendar year)
$1,500 per day
(1 day)
Air Ambulance
(maximum per calendar year)
$5,000 per day
(1 day)
Medical Procedures (PER PERSON) We Pay
439 Surgical and Diagnostic Procedures
(maximum per calendar year)
$1,500 to $30,500 per day
(10 procedure days per year)
Maternity Benefits (PER PERSON) We Pay
Vaginal Delivery
(maximum per calendar year)
$5,000 per delivery
(1 delivery)
Caesarean Delivery
(maximum per calendar year)
$8,000 per delivery
(1 delivery)
Additional Benefits (PER PERSON) We Pay
Skilled Nursing Facility (after hospital confinement of 3 or more continuous days)
(maximum per calendar year)
$300 per day
(30 days)
Outpatient Radiation or Chemotherapy
(maximum per calendar year)
$750 per day
(40 days)
Hospice Care
(maximum per calendar year)
$300 per day
(60 days)

Please also note that the above benefits are subject to a $100,000 per person per calendar year maximum for covered claims.

It is also important to understand that Atlas Direct does not cover the cost of Direct Primary Care, which you must obtain separately from a Direct Primary Care provider.

Finally, please understand that Atlas Direct’s insurance plan 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 the Atlas Direct insurance benefits, eligibility, limitations and exclusions, please see our brochure. For a list of the 439 surgeries and medical procedures that are covered in most jurisdictions, click here.

Please note that some states place restrictions on the surgeries and medical procedures that Atlas Direct’s insurance plan is allowed to cover. Thus, in those states, fewer than 439 surgeries and medical procedures may be covered. Please refer to the Certificate of Coverage and Schedule of Benefits that apply to your state of residence for the applicable list.

There are no deductibles or copays.