How is Atlas Direct coverage so much cheaper than other insurance coverage?

Atlas Direct’s insurance plan costs substantially less than comprehensive health plans—but only because it excludes many medical services and products, including primary care, dental, vision, infertility, cosmetic surgeries, and substance abuse treatments. It also excludes prescription drugs, basic imaging procedures, and lab work since a large fraction of DPC patients can already access those items at wholesale prices through their Direct Primary Care doctor.

So when considering our plan for yourself and your family, please keep in mind that our plan was intentionally designed to cover a limited set of benefits and that neither Atlas Direct as a whole nor its insurance component in particular is a comprehensive major-medical plan. Anyone seeking comprehensive health insurance should consult with a licensed insurance agent or visit their 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.