Atlas Travel Medical Insurance Atlas America plan is a visitor health insurance policy designed to provide medical and travel benefits, as well as emergency travel assistance to take the risk out of international travelers visiting the USA. Atlas America insurance is available to individuals, families, and groups from over 180 countries. You get access to quality care and are protected against the costs that can incur from unexpected medical and/ or travel emergencies.
US emergency telephone number is 911. If someone has a serious, life-threatening medical emergency, you can dial 911 for an ambulance. The operator can dispatch ambulance with paramedics who provide emergency medical treatment to stabilize patients at the scene before taking them to a hospital.
In the United States ambulance service is very expensive, it can cost thousands of dollars. Call an ambulance when you need immediate medical attention that could be life threatening, such as severe chest pain, breathing difficulties, severe bleeding, life-threatening injury etc.
Atlas Travel Medical Insurance can reimburse the cost of emergency local ambulance transport necessarily incurred in connection with covered injury or illness resulting in inpatient hospitalization.
In case of serious emergency, you can go to the nearest hospital emergency room, or call 911 for an ambulance if necessary. Hospital emergency departments usually are open 24 hours a day, 7 days a week.
Emergency rooms are designed to provide care to patients who have major illness or injury that require immediate treatment. Visit an emergency room if you experience serious medical problems such as difficulty breathing, chest pain, severe abdominal pain, unconsciousness, uncontrollable bleeding, severe allergic reaction, major accidents or severe burns etc.
Emergency rooms are staffed by qualified emergency medicine physicians, specialists, nurses, and other healthcare professionals, with access to sophisticated medical equipments e.g. CT, MRI. They are prepared for medical emergencies such as heart attack, stroke, car accidents or other life-threatening conditions. Most emergency departments are attached to a hospital and can admit the patient directly if surgery or other critical intervention is needed.
In the ER, an emergency triage nurse will assess patients and prioritize them according to the severity of their illnesses or injuries. Patients with the the most severe and life-threatening conditions have the highest priority and will be treated immediately. Patients with less urgent or not urgent conditions have lower priority, and typically need to wait for treatment. You may wait a few minutes to a few hours to be seen by a medical doctor for treatment.
Emergency departments are required by U.S. federal law (Emergency Medical and Active Labor Act) to treat emergency conditions of all patients, regardless of their ability to pay. But US emergency services are not free, patients will be asked to pay afterwards. ER is particularly expensive, especially for cases of critical illness or major injury. A trip to the emergency room for common medical conditions can cost thousands of dollars. In some cases, when critical care or surgery is performed, the cost could be tens of thousands of dollars or more.
In general, you should go to the hospital ER in a true emergency where there are resources to deal with severe medical conditions. In some areas hospital ERs are crowded, waiting time can be long. Once the patient’s condition has stabilized, the hospital has the option to refer you to another facility.
If you would like treatment for routine care or minor ailments e.g. fever, flu, minor cuts, etc, you might save money and time by going to other health care facilities such as urgent care center, walk-in clinic, or doctor’s office. The cost for services is much lower in these options than they are in the ER. They are often conveniently located, and have shorter waiting time than ERs.
Atlas America insurance pays for eligible medical expenses of hospital emergency room visits. If you make a claim for Emergency Room visit incurred in U.S., you shall be responsible for a $200 co-payment for each use of emergency room for an illness unless you are admitted to the hospital. If you use emergency room for a covered illness and are admitted to the hospital, or for treatment of a covered injury, then there will be no Emergency Room co-payment. If the Emergency Room claims are incurred outside the U.S. , you don’t need to pay emergency room co-payment for covered illness or injury.
It is in your advantage to choose hospitals/ clinics from the insurance company’s Preferred Provider Organization (PPO) networks: FirstHealth Network or UnitedHealthcare Network. You are free to go to health care providers that are not in the PPO networks.