What happens if I miss a premium payment?

There is a 31-day grace period for late premium payments. If you have not caught up with a late payment by the time that 31-day grace period ends, your coverage will be terminated for non-payment.

If your coverage is terminated for non-payment, you will have to apply for Atlas Direct insurance coverage again.

In addition, please note that if your coverage is canceled, you will be ineligible to reapply for Atlas Direct’s insurance plan for a full year. This means that if your coverage is terminated, you will have to wait 365 days before being allowed to apply again. In addition, any future application will be assessed based on your answers at that time, without any consideration being given for your previous eligibility for coverage under the Atlas Direct insurance plan.

Still questions?

Or email us your question >

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.