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What additional insurance should I consider if I already have coverage under the Atlas Direct insurance plan?

Because Atlas Direct’s insurance component is a limited-benefits insurance product that intentionally excludes a wide range of medical services, it is not a substitute for comprehensive major-medical health insurance plans which cover a much wider range of medical services.

Thus, if you do not already have major-medical coverage, you may want to consider whether obtaining comprehensive coverage in addition to Atlas Direct coverage would be the best fit for your own particular health needs. It may even make sense for you to drop Atlas Direct’s insurance component completely in favor of a major-medical plan.

In addition, please note that the Atlas Direct insurance plan is a fixed-indemnity insurance product that pays benefits directly to covered persons rather than to providers. This means that an Atlas Direct user may end up being 100% personally legally responsible for paying providers unless he or she also has coverage under an insurance plan that will assume financial responsibility for some or all of the costs billed by providers.

If you are interested in obtaining comprehensive major-medical coverage, we recommend that you consult with a licensed insurance agent or visit your state’s health-insurance marketplace for comprehensive-coverage options.

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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.