Health Insurance
Simplified
Starting at $60 per month for children and teens—the Atlas Direct insurance program helps you pair flat-fee Direct Primary Care services (paid separately) with a limited-benefit insurance product designed specifically for DPC patients.
A Two-Part Approach: Direct Primary Care + Atlas Direct
Part 1: Direct Primary Care
Direct Primary Care, or DPC, is a payments model in which primary care doctors charge a flat monthly fee for virtually unlimited primary care services—including preventive care, chronic-condition management, and in-office procedures like stitches and splints.
Part 2: Atlas Direct Insurance
Atlas Direct is a fixed-indemnity insurance plan that complements Direct Primary Care by providing predetermined cash benefits for eligible medical services that are not covered by Direct Primary Care, including hospitalization, ER visits, ambulance transportation, and childbirth. These cash benefits are paid directly to you, the insured, and you can use them for any purpose, not just medical bills.
For a personalized quote, click here.
In addition, Atlas Direct has:
- No Deductibles
- No Copays
- No Coinsurance
- No Networks
- No Prior Authorizations
- No Provider Lists
- No Open Enrollment Periods
As Easy as 1, 2, 3…
Here’s a simple example to show how Atlas Direct works for individuals who have coverage in place before trouble strikes.
Trouble strikes.
You suddenly experience a sharp pain in your side and call your Direct Primary Care physician, who diagnoses you with acute appendicitis.
You find yourself in the ER.
You’re taken by ambulance to the emergency room, where lab tests and diagnostic exams report back that you need surgery right away.
Atlas Direct helps with fixed cash benefits paid directly to you.
After an overnight stay in the hospital, you’re feeling better—but bills pile up quickly. Atlas Direct pays fixed cash benefits directly to you, which can help ease the financial stress of your illness—including paying for costs that may not be covered by other insurance, such as deductibles, copays, and coinsurance.
Example Benefit Amounts
Unlike comprehensive major-medical health plans that pay benefits directly to providers, Atlas Direct is a limited-benefit, fixed-indemnity insurance plan that pays fixed dollar amounts directly to you, the covered person.
Here are some examples:
- $1,500 per hospital admission
- $3,700 per day for hospital confinement
- $1,500 per ground or water ambulance transport
- $5,000 per vaginal delivery*
- $1,500 for emergency room (ER) care
- $9,500 for rotator cuff repair
- $18,500 for bilateral radical mastectomy
- $22,500 for laparoscopic prostatectomy
Atlas Direct is designed to make health care more accessible and more affordable. Apply now.
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Our Pricing
The table below shows Atlas Direct's monthly premiums per covered person for adult applicants aged 18-64 as well as for dependent children aged 0-25 who are covered under a parent's policy. Adult premiums are based on attained age (age at last birthday) and increase as the covered person moves into the next-higher age band. The rate for dependent children is $60 per month per child for each of the first three children and $0 per month for each additional child after the third child.
Premiums may vary by state. Children covered under a parent's policy are automatically considered to be dependents if they are less than 26 years of age. Starting at age 26, they must apply for their own adult coverage unless they qualify for continued dependent coverage due to a permanent disability, subject to policy terms and applicable law. Atlas Direct is not available in all states. Please click here to get a custom quote and see whether Atlas Direct is available in your state.
Easy Enrollment
Enrolling in Atlas Direct is quick and easy.
We offer free upfront quotes.
The application process takes only a few minutes.
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Decisions are made instantly.
So you’ll know right away whether you’ve been approved for coverage.
Click here for your free quote.
Curious about Direct Primary Care?
Direct Primary Care, or DPC, is an innovative strategy for delivering high-quality primary care at an affordable price.
For a flat monthly fee, patients receive a wide range of primary care services—including routine checkups, preventive care, and many minor diagnostic and surgical procedures.
Most DPC practices also offer unlimited office visits, longer appointments, and direct access to the doctor by phone, text, or video.
Other Important Features
Payment Structure
Atlas Direct insurance is a fixed-indemnity plan, meaning it pays set, predetermined amounts directly to you, the insured, for covered medical services. This differs from major medical plans, which pay variable benefit amounts directly to healthcare providers.
Financial Responsibility
The fixed benefit amounts paid by our plan may not cover the full cost of care. You are responsible for paying providers for all charges. The insurer’s obligation is limited to paying you the fixed amounts specified in the Schedule of Benefits.
Coordination with Other Insurance
Because Atlas Direct is a noncoordinated benefit, it pays claims independently and in full, regardless of any other health insurance you may have. Thus, Atlas Direct will pay its predetermined fixed-indemnity amount for any covered event, irrespective of what any other insurance plan may decide to pay for the same event.
Under Age 65 Only
Atlas Direct is available exclusively to individuals under age 65. If you are over age 65 and seeking insurance, please contact a licensed insurance agent or visit medicare.gov.
Pre-Existing Conditions and Waiting Periods
Atlas Direct does not cover claims related to pre-existing conditions during the first 12 months of coverage. Accidental injuries are covered as soon as coverage begins. Illnesses and medical procedures have a 30-day waiting period, and childbirth has a 12-month waiting period.
The Direct Care Foundation
Atlas Direct insurance is sponsored by the Direct Care Foundation, a 501(c)3 non-profit that champions Direct Primary Care. Membership in the Foundation is required for eligibility and can be obtained as part of the Atlas Direct enrollment process.
Please Note: Atlas Direct is Not Comprehensive Major Medical Insurance
Atlas Direct is fixed-indemnity insurance, which means that it pays predetermined, fixed amounts directly to you, the insured, for covered medical services. This is different from major medical plans, which pay variable benefit amounts directly to healthcare providers.
In addition, please note that Atlas Direct does not pay a comprehensive amount for covered services. Atlas Direct's benefit amounts are fixed in advanced, limited in their dollar amounts, and are not based on the total cost of services provided.
As a result, the fixed benefit amounts paid by Atlas Direct may not always cover the full cost of a medical service. You are responsible in all cases for paying the provider for the cost of your care and our insurance carrier has no legal responsibility other than to pay you the fixed amounts specified in the schedule of benefits.
Example Billing Scenarios
Atlas Direct's payment amounts were set to approximate the average cash-pay prices charged by providers, including cash-pay surgery centers like the Surgery Center of Oklahoma. In any particular case, the Atlas Direct benefit amount may be smaller or larger than the price you are charged by a provider. Here are three example billing scenarios to help you get a sense of how Atlas Direct pays claims. These examples assume an eligible claim; in real-world claims, waiting periods, exclusions, benefit limits, and other policy provisions may restrict claim eligibility.
Knee Replacement: Atlas Direct pays a fixed amount of $18,500 for CPT code 27447, total knee arthroplasty. If you were billed $20,000 for that surgery by a provider, you would be legally responsible for paying that entire amount, which is larger than the $18,500 that you would receive from Atlas Direct for that procedure. If you applied the $18,500 benefit amount toward the $20,000 cost of the surgery, you would need to come up with $1,500 from other sources to cover the difference.
Tonsils and Adenoids: The Surgery Center of Oklahoma charges $4,180 for the surgery to remove tonsils and adenoids (CPT code 42820). Atlas Direct pays a fixed benefit amount of $6,500 for that procedure. In this scenario, the $6,500 benefit amount is larger than the $4,180 price of the surgery. So if you applied the $6,500 benefit amount toward the $4,180 cost of the surgery, you would have a surplus of $2,320 that could be used for other expenses.
Here is a high-cost claims scenario in which Atlas Direct’s benefits would be substantially lower than the cost of care.
Coronary Bypass Graft (CABG) Surgery: Atlas Direct does not cover coronary-artery bypass graft (CABG) surgery, but it does have hospital-confinement benefits that would pay out if you had a CABG surgery.
A typical CABG surgery requires 6-7 days in the hospital for recovery, with the first 1-3 days spent in intensive care. If the exact numbers were 2 days in intensive care plus 5 days in a regular hospital bed, Atlas Direct would pay you a total of $30,400 (= $1,500 for hospital admission + 2 days x $5,200 per day of intensive care + 5 days x $3,700 per day for regular hospital confinement).
By contrast, the average cash/self-pay price for CABG surgeries is $65,026, according to the price-comparison website MDsave.com.
In this scenario, the Atlas Direct benefit of $30,400 is less than the $65,026 cost of the surgery.
If you applied your $30,400 benefit toward the $65,026 cost of the surgery, you would be responsible for the difference, $34,626, unless you have other insurance coverage (in addition to Atlas Direct) that will pay for some or all of the surgery.