U.S. government: Coronavirus (COVID-19) information

CDC: Coronavirus (COVID-19) Travel Advice

Tokio Marine HCC-MIS: How Coronavirus Affects Your Coverage

If You Purchased Your Atlas Policy on Or After July 15, 2020 : Your plan will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2.  

How to use Atlas Travel Medical Insurance for health care in the U.S.?

US emergency number: 911

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.



Medical treatment in the United States is of high standard.  However, health care cost in the U.S. is the most expensive in the world. Doctor visits cost an average of $200. Average cost of an Emergency Room visit is more than $ 2,000. Medical expenses of a serious injury or illness can easily reach tens of thousands to hundreds of thousands of dollars, or even more.


If you experience an illness or injury while in the U.S., you can use Atlas America insurance to get medical treatment.  Atlas America insurance pays eligible medical expenses including doctor visits, emergency room treatment, hospitalization, surgery, laboratory services, radiology and imaging services, prescription drugs, ambulance, emergency dental treatment, emergency eye exam, physical therapy, chiropractic care, and more.  


Where to go for medical care?

In the U.S., health care is mostly provided by private hospitals and clinics. When you’re feeling sick or are injured, it is advisable to choose an appropriate healthcare facility depending on the severeness of medical condition and the potential cost. 


Hospital Emergency Rooms can treat patients with severe and life-threatening medical emergencies. They open 24 hours a day, 7 days a week. ER visits are very expensive in the U.S. Visit an emergency room if the patient has serious medical problems e.g. difficulty breathing, unconsciousness, heavy bleeding, chest pain, major accident, etc.


Urgent care centers can treat urgent, but non-life-threatening emergencies.  Go to a Urgent Care Center if you have an urgent medical condition that needs immediate attention, e.g. urinary tract infection, vomiting, strained ankle etc. Usually you can visit an urgent care center without appointment.


If you have a doctor’s prescription, you can present the prescription to a licensed pharmacist in the pharmacy store. The pharmacist will prepare and fill the prescription, and explain to you how to take the drug, its dosage, and possible side effects etc. you are free to choose a pharmacy to buy medicine.


Find out more about how to access different types of healthcare services in the U.S.:


You can use the  Vantage America Pharmacy & Medical discount card  to save on prescription drugs, CT / MRI imaging, dental care, hearing aids or buy diabetes supplies.



How to find a health facility to get treatment and pay medical bills?

Atlas insurance does not restrict your right to select the hospital, physician or other medical service provider. You can go to a doctor or hospital of your choice. You are not required to obtain a pre-approval before you visit a hospital or doctor. There's no need to get referrals to see a specialist. 


PPO Network providers

Tokio Marine HCC-MIS Group uses FirstHealth Network and UnitedHealthcare Network as its Preferred Provider Organization (PPO) networks. They include hundreds of thousands of highly qualified medical professionals and hospitals that cover all 50 states. You may review a listing of hospitals, physicians and other medical service providers included in the PPO Networks by accessing an online directory


How to find a health care provider in FirstHealth Network?

How to find a health care provider in United Healthcare Network?


PPO providers have agreement with HCC-MIS to send your medical bills directly to the insurance company for payment. Billed charges for eligible expenses may be reduced and the insurance company will remit payment of eligible medical expenses directly to the provider.  More about How to pay medical bills to  PPO network providers and file claims


Out-of-network Providers

You are free to choose a healthcare provider outside the PPO networks for medical treatment. Out-of-network hospitals and clinics set up their own fee schedules, you may incur additional out-of-pocket costs. 


Usually out-of-network medical providers don’t bill the insurance company directly. You will pay your medical treatment at the time of service,  then file a claim to Tokio Marine HCC-MIS Group to request for reimbursement  of eligible medical expenses that are covered by your insurance policy. More about how to pay medical bills to out-of-network providers and file claims.



How to use Atlas America insurance?

Always carry your insurance card with you while traveling. The insurance ID card has your name, insurance certificate number, insurance company’s emergency phone number. When you seek medical treatment in the U.S., you will be asked to show proof of medical insurance.  Hospital or clinics may also require you to provide a photo ID (e.g. passport) as proof of identity. 


If you have any significant medical conditions like allergies, medical history/ problems, as well as any recent or current medications, you should inform the doctor or other medical staff. This will be helpful information for your health care providers to make informed treatment decisions.


Be sure to keep all your medical documentation, itemized bills and receipts. You will have to submit them to the insurance company when you file claims.  More about the claims process at  Tokio Marine HCC-MIS Group Claims Resource Center.


You can contact HCC-MIS Emergency Assistance Services for help with health care provider referrals, medical monitoring, prescription drug replacement, translation & interpretation, and other assistance.


You can access ClientZone online anytime to download your ID card and/ or policy documents, submit claims, check your claim status, and more.