There is encouraging news for visitors to the US looking for emergency coverage for a sudden flare up of a pre existing condition. Most insurance plans expressly exclude any coverage for medical expenses arising out of a pre existing condition. A newly enhanced Atlas America plan offers for insureds below age 70 up to $15,000 in coverage for medical expenses arising due to a sudden acute onset of a pre existing condition.
It is important to understand the common definition for a pre existing condition first. It can be explained as an ailment or condition that was present prior to the start of the plan. Typically, ailments that manifested (regardless of being treated or not treated) 24 months prior to the start of the plan are considered as pre-existing conditions and hence excluded from coverage.
The Atlas America plan offers coverage with a lower plan limit ($15,000) for a sudden and acute onset of a pre existing condition. The insured must seek medical attention for their condition within 24 hours of the first symptoms to be considered for coverage. The plan does not offer coverage for routine checkups or regular maintenance of their ailment. There must be an acute onset of an illness related to the pre existing condition to be considered for coverage. Benefits for covered sicknesses can include doctor visits, tests, surgery and prescriptions.
While most plans offer absolutely no coverage for pre-existing conditions, the Atlas America plan offers this limited but very valuable benefit. Review Atlas America Insurance plan on the page for visitor medical insurance plans or call 877 593 5403 for more details.
Remember to review the policy brochure for precise definitions, terms and conditions. –