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HCCMIS Travel Health Insurance

 

Atlas America Insurance - FAQ - Frequently Asked Questions



Atlas America Insurance

Why should I purchase insurance with an American company and not buy insurance in my native country?

Atlas America Insurance

It is advisable to have insurance from an American company while in the United States, even if the premium for these plans are more expensive. The reason is that while almost all Doctors/hospitals in the United States accept American insurance company cards, they will be reluctant to acknowledge overseas insurance coverage. The medical office can easily contact an American insurance company for clarification, while the same will not be true for an overseas insurance company.

Typically medical offices in the US will bill directly to known American insurance companies. For overseas insurance companies you most probably will have to pay the bill, and then try to get the claim reimbursed from the insurance company.

   
Atlas America Insurance

When should I purchase the insurance?

Atlas America Insurance You should purchase the insurance only after being certain of your travel plans (having the passport/visa papers and the airline tickets in order). It is safest to start the insurance coverage from the date of departure from your native country.
   
Atlas America Insurance

My parents are not yet here, can I purchase insurance for them in their absence?

Atlas America Insurance Yes. You can purchase the insurance coverage on behalf of others in their absence.
   
Atlas America Insurance

Is the insurance plan refundable should I leave the country during its validity?

Atlas America Insurance Some insurance plans do refund money if given enough advance notice, however since travelers insurance is typically for a short duration, they are often not refundable. If this situation is a concern for you, you should look out for insurance plans which are renewable. Such plans are available among the plans listed in our comparison engine.
   
Atlas America Insurance

What is the proof of my purchasing insurance?

Atlas America Insurance When you purchase insurance online, you will immediately receive a confirmatory email with details of the insurance. This is the virtual insurance card, and it is prudent to print this and to keep a backup of this email. You will also receive an insurance card from the insurance company by mail. This card will have your name, policy number, group number, insurance company's contact information such as the toll-free telephone number and the address where claims should be submitted.
   
Atlas America Insurance

How do I purchase the insurance? When does the insurance take effect?

Atlas America Insurance Purchasing insurance online is very simple. From our (compare engine), you can click on the 'Buy' button in the first column. This leads you to the appropriate online application form. You have to complete the appropriate online application form and you will immediately receive an email acknowledgement which is the virtual ID card. The coverage will start from the start date as indicated on the form. Within a week you will receive a package from the insurance company, which will include the insurance card and a hard copy with details regarding the insurance plan.
   
Atlas America Insurance

Can I purchase insurance for only part of the stay of my parents in the US?

Atlas America Insurance Yes you can purchase for only partial duration of the entire stay. However the purpose of purchasing insurance is in the event of unanticipated medical emergencies. One can never be sure when such an emergency can happen. Having purchased insurance for part of their stay will not help in the event of an emergency during the uninsured period.
   
Atlas America Insurance

Is the insurance plan purchased on a calendar monthly basis, or can a plan span 2 calendar months ?

Atlas America Insurance A month is calculated as 30 continuous days from the start date requested and it can include two partial calendar months.
   
Atlas America Insurance

What is the minimum duration for which insurance can be purchased?

Atlas America Insurance You may initially enroll into Atlas America for between one month.
   
Atlas America Insurance

How are the insurance companies rated?

Atlas America Insurance The insurance companies are rated by an independent rating company A.M.Best rating. Atlas America Insurance is rated A++ "Superior" by the A.M. Best Company..
   
Atlas America Insurance

Do I need a Social Security number to complete the form?

Atlas America Insurance No you can complete the form using the visitors passport number.
   
Atlas America Insurance

Can I go to any doctor/hospital, or am I limited to specific medical practitioners?

Atlas America Insurance This will vary for different insurance plans. Some plans allow you to visit any medical practitioners, while others have their provider network. This information is provided as PPO Network.

In the latter case, if you visit a doctor/hospital within the provider network, the fee will be a standard rate that has been agreed between the insurance company and the provider. However, if you visit a provider outside of the insurers provider network, there may be a difference between the amount charged to you and the amount the insurance company considers reasonable. In this event, you will have to pay the difference between the two.

   
Atlas America Insurance

How do I find out which doctors are part of a given insurance network?

Atlas America Insurance This information is displayed in the PPO Network. You can also get this information by calling the toll free number of the insurance company or by visiting the insurance company web site. The toll free number should be on the insurance card that you receive on purchasing the insurance plan.
   
Atlas America Insurance

Should I pay the medical practitioner/organization initially and then get reimbursed or will the insurance company be billed directly?

Atlas America Insurance

On purchasing insurance from an American insurance firm, you will receive an insurance card with details about your insurance. When you visit the doctor/hospital, the billing office at the hospital will usually make a photo-copy of your insurance card, call the insurance company to verify your policy, and will then bill the insurance company directly. You will have to pay the deductible amount.

In some instances if the medical office has not dealt with this particular insurance company, they might insist that you pay the bill on receiving medical treatment. In this scenario, you would get an detailed bill, which should be sent to the insurance company for reimbursement. ServeGlobe Inc., advises policy holders to visit hospitals with in the provider network wherever possible.

   
Atlas America Insurance

What is a deductible?

Atlas America Insurance If your plan has a $100 deductible, you pay the first $100 of expenses and then the insurance company picks up the rest. The higher the deductible, the lower the premium cost and vice versa.
   
Atlas America Insurance

What are the different types of deductible?

Atlas America Insurance Per incident deductible:You pay the deductible every time you get a new medical ailment (be it sickness of accident related) before the insurance company pays anything. Atlas America and Atlas America from SRI have deductible per incident.

Per visit deductible: You pay the deductible every time you you visit a health care provider (doctor, hospital, laboratory etc..) before the insurance company pays anything.

Per policy period deductible: You pay the deductible only once during the entire policy period, irrespective of how many times you get sick or injured during the policy period.

Annual deductible: You pay the deductible only once in a year irrespective of how many times you get sick or injured during the entire year.

   
Atlas America Insurance

I made a mistake in entering my data while purchasing the insurance, what should I do?

Atlas America Insurance You can call us at 877-778-4562 or email us and we will have the changes made to your policy and have a corrected policy sent to you.
Atlas America Insurance

What is co-insurance?

   
Atlas America Insurance

After your deductible is met, co-insurance is the percentage of the covered medical expenses that you, the insured person, must pay.

For instance, if your health plan has an 80/20 co-insurance rate, your insurance plan pays for 80% of your eligible medical expenses and you are responsible for the remaining 20%.

   
Atlas America Insurance

Is it safe to purchase Insurance online?

Atlas America Insurance Yes. The application forms are in a highly secure ordering environment so you can enroll in the insurance plans with confidence. The insurance providers use Secure Socket Layers (SSL), for transferring information to process your orders. The SSL encrypts, or translates, your order information into a highly indecipherable code, which is processed immediately. You will remain in this secure zone for the entire purchase process.
   
Atlas America Insurance

Who/What is the beneficiary (AD & D Beneficiary)?

Atlas America Insurance The Beneficiary is the person who receives the Accidental Death benefit if the Insured dies in an accident while insured under the policy. Typical examples of beneficiaries are your spouse, your children or your parents.
   
Atlas America Insurance

Is there any medical test required before we can buy the insurance?

Atlas America Insurance No, there is no medical test required for purchasing any of these policies. You can buy the policies online any time and get coverage from the following day.
   
Atlas America Insurance

What is the Policy Period?

Atlas America Insurance A policy period represents the amount of time you have purchased insurance. In Atlas America Insurance, policy periods can be as short as 5 days and as long as 36 months. For example, if you complete an application and pay for 6 months of insurance, the policy period for that program will be 6 months.
Atlas America Insurance

Should I purchase a combined policy for my parents or separate individual policies as both my parents are visiting me?

Atlas America Insurance The cost for both alternatives will remain the same, in other words there will be no price differential.
The main disadvantages are:
  • (a) You have to pay two renewal fees should you renew the policies.
  • (b) It can get cumbersome to deal with different companies should you choose to buy from different insurance providers.
There are however many advantages of having separate policies. They are:
  • This gives you the flexibility to buy different policies for each of them depending of the specific needs of each of your parents. You might want to have different maximum coverage's, different deductible or different coverage period's, all of these can only be achieved through separate insurance policies.
  • One of your parents might want to return earlier, you can claim a refund for this individual policy which you cannot do if it is a combined policy.
  • Likewise one of your parents might extend their stay. It will not be possible to extend the policy for only one person if it is a combined policy.
   
Atlas America Insurance

When I buy the policy for more than one person, I am asked for only one passport number. Don't you need the passport number of all applicants?

Atlas America Insurance In many insurance plans, only one passport number per family is required per application.
   
Atlas America Insurance

Is it possible to renew my policy?

Atlas America Insurance Yes, it is possible to renew the Atlas America Insurance policy.
   
Atlas America Insurance

Does the insured need to have a medical examination?

Atlas America Insurance No, there is no medical examination required to purchase the policy.
   
Atlas America Insurance

What is the meaning of UC & R ?

Atlas America Insurance

UC & R (or Usual, Customary & Reasonable):



UC & R (or Usual, Customary & Reasonable) Charges represent the average or most common amount charged by providers for a particular service, treatment, or supply in the same geographic area. Typically information on rates for procedures is compiled into a data bank and updated periodically. So when a claim is submitted for a plan with UC & R benefits, the insurance company before making the claim payment reviews the UC & R rate and double checks that hospitals and doctors are not billing excessively for the particular service or procedure. Most well respected plans from Blue Cross, Aetna, Lloyds, Unicare etc. follow the UC & R schedule.
   
Atlas America Insurance

What is the meaning of Acute Onset of Pre-Existing Conditions?

Atlas America Insurance

Acute Onset of Pre-Existing Conditions:



The Atlas America plans offers coverage for acute onset of pre-existing condition as detailed in the plan brochure. This includes a sudden relapse or reccurrence of a pre-existing condition that existed or manifestated in the lookback period prior to purchase of the policy. If a treated medical condition in stable condition, and which is not excluded, requires medical attention due to an unexpected relapse and with no prior advance warning or forewarning by a medical doctor, by way of physician recommendations or medical symptoms. To be eligible, one needs to be below age 70 and treatment must be sought and obtained within 24 hours of the sudden and unexpected outbreak or recurrence. The Atlas Travel plan does not offer blanket coverage for all pre-existing conditions which could vary from person to person depending on their unique medical history or treatment record, such as chronic illnesses like diabetes, high blood pressure, asthma, etc. or chronic injuries like back pain also.
 


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