Need coverage for the whole family?
Let’s fix that!
Atlas Direct — For Families
Atlas Direct helps households handle big, unpredictable medical bills—so your Direct Primary Care can stay simple, personal, and affordable.
If your household uses Direct Primary Care (DPC)—or plans to—Atlas Direct adds fixed cash benefits for some the big stuff DPC doesn’t cover, like hospital stays, ER visits, and ambulance rides.
Please Note:Atlas Direct is not a Comprehensive Major Medical plan
Atlas Direct costs substantially less than comprehensive major medical health insurance because it excludes many medical services and products, including infertility treatments, cosmetic surgery, and substance abuse treatments.
We also exclude prescription drugs, basic imaging, and lab work because many DPC patients can access those items at wholesale prices through their Direct Primary Care doctors.
Distinct Features & Options
Atlas Direct differs from comprehensive major medical plans in several additional ways:
- No deductibles or copays
- Payments go directly to you—not to providers
- Cash benefits can be used for any expense, not just medical bills
- No open enrollment periods—start any time
- No network restrictions—use any licensed provider
- Benefits can supplement other insurance coverage
Comparative Costs
Because Atlas Direct doesn’t attempt to cover everything, it costs much less than traditional major medical plans that aim for comprehensive coverage.
Our Pricing:
The table below shows Atlas Direct’s monthly premiums per covered person. The cost to cover multiple family members is simply the sum of their respective individual monthly premium amounts.
Premiums may vary by state, are based on attained age (age at last birthday), and will increase when you move into the next-higher age range. 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.
Fixed Payment Amounts
Atlas Direct offers many unique benefits because it is a limited-benefit (fixed-indemnity) insurance plan that pays predetermined amounts to you for a focused set of covered medical services. 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
* Benefit amount differs for Kansas residents. See the Atlas Direct brochure for state-specific variations and information on eligibility, limitations and exclusions.
Benefits Comparison
The following table compares Atlas Direct’s list of benefits and features with those of comprehensive major medical plans.
| Benefit or Feature | Atlas Direct | Major Medical |
|---|---|---|
| Comprehensive Coverage |  |
 |
| Pays % of Billed Charges | |
|
| Pays Fixed Amount per Event | |
|
| Zero Deductibles | |
|
| Zero Copays | |
|
| No Networks | |
|
| No Prior Authorizations | |
|
| No Provider Lists | |
|
| Pays You, Not Providers | |
|
| Optimized for DPC | |
|
| Enroll at Any Time | |
|
| Use Any Licensed Provider | |
|
| Hospital Confinement | |
|
| Emergency Room Visits | |
|
| Ambulance Transportation | |
|
| Skilled Nursing | |
|
| Childbirth | |
|
| Hospice Care | |
|
| Prescription Drugs | |
|
| Mental Health | |
|
| Substance Abuse | |
|
| Lab Work | |
|
| Chronic-Disease Management | |
|
| Immunizations | |
|
| Rehabilitative Services | |
|
| Calendar-Year Maximum per Person | $100,000 | Unlimited |
| Lifetime Maximum | Not Applicable | Unlimited |
Family Examples
Jackie and John
Jackie and John are a married couple in their late 30s who have two teenagers named Jennifer and Jasper. Their Atlas Direct premium would be $445 per month in most states (= $205 for Jackie + $120 for John + $60 for Jennifer + $60 for Jasper).
Karla and Kids
Karla is a 36-year-old single mom raising three boys named Kenneth, Kingston, and Kyle who are all in elementary school. Her monthly premium for Atlas Direct coverage for herself and her three kids would be $385 per month in most states (= $205 for herself + $60 for Kenneth + $60 for Kingston + $60 for Kyle).
Any Questions? Contact Us!
You can connect with us immediately through live chat, call us at 316-234-1309, or email us at hello@atlas.direct.
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.
The Omnibus Budget Reconciliation Act of 2026 revised the rules governing health savings accounts (HSAs) in ways that allow them to be used to pay for direct primary care (DPC) monthly membership fees. The new rules still impose important limitations on the use of HSA funds and require regulations or guidance to be issued in the future. The premiums paid for the Atlas Direct insurance program do not qualify as an eligible HSA expense.
The material on this website has been prepared for informational purposes only and is not intended to provide, and should not be relied on, for tax, legal or accounting advice. Employees and employers should consult their own tax, legal and accounting advisors before engaging in any transaction. Atlas Direct cannot guarantee a favorable tax outcome in all situations as federal and state laws are continuously changing. The benefits paid on this program may be taxable income.
This website contains wording that was created by Atlas Direct Agency LLC. All contents of this website are © Atlas Direct Agency LLC, 2026. All Rights Reserved.