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 direct billing works with Atlas Travel Medical Insurance in the U.S.?

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.

Atlas America insurance provides worldwide coverage including the United States. If you become ill or have an injury while visiting the U.S., you are free to go to the health care providers of your choice for medical treatment. 

With Atlas Travel Medical Insurance, you have access to a large Preferred Provider Organization (PPO) network. Health care providers in the PPO network can submit your medical bills directly to the insurance company for payment.

You can use health care providers that are outside of the PPO networks. Usually you pay for medical expenses at the time of service and submit a claim to HCC-MIS to request reimbursement. You may incur higher out-of-pocket costs. More about how to pay medical expenses to out-of-network providers.

What is PPO network?

Preferred Provider Organization (PPO) is a network of participating medical providers and facilities such as hospitals, doctors, and other healthcare professionals in the United States. 

Health care providers within the networks have agreement with the insurance company to provide medical services at an agreed upon reduced rate. Your doctor or hospital can send medical bills to Tokio Marine HCC-MIS Group directly for payment of medical services provided to you. 

Going to a PPO provider for medical treatment can make your claims process easier and reduce your out-of-pocket costs.


Nothing contained in this insurance restricts or interferes with your right to select the hospital, physician or other medical service provider of your choice. Nothing contained in this insurance restricts or interferes with the relationship between you and the hospital, physician or other providers with respect to treatment or care of any condition, nor your right to receive, at your own expense, services and/or supplies that are not covered under this insurance. 

To comply with the United States Preferred Provider Organization (PPO) requirements, you must receive medical treatment from PPO providers while in the United States. If you choose to seek treatment from a PPO provider, we will remit payment for eligible expenses directly to the provider. 

You may review a listing of hospitals, physicians and other medical service providers included in the PPO Network for the area where you will be receiving treatment by accessing the Internet website for Tokio Marine HCC - MIS Group at: www.hccmis.com. For assistance locating a provider, contact us at 1-800-605-2282. 

source: Atlas Travel Description of Coverage

Tokio Marine HCC-MIS Group uses First Health Network and United Healthcare Network as its PPO networks. Depending on your home country or plans, you may access either First Health Network or United Healthcare Network. Refer to your certificate ID card to confirm which PPO network you have access to. More about how to find U.S. in-network health care providers

How to pay in-network health care providers?

Once you locate a health care provider in your PPO network, you may schedule an appointment or go directly to the health facility if it’s an emergency. You are not required to obtain a pre-approval from the insurance company before you visit a hospital or doctor. There's no need to get referrals to see a specialist. 

Always carry your insurance ID card with you. The hospital or doctor’s office will ask for your insurance information. You can tell them that your insurance plan is with Tokio Marine HCC-MIS Group, and your PPO network is either First Health Network or United Healthcare Network. 

Your health care provider can call Tokio Marine HCC-MIS Customer Service to confirm your insurance coverage and the billing process, or to define the benefits of your insurance policy.  

Unless you are required to pay for medical treatment at the time of service, usually each of your medical providers will file a claim and submit the original itemized bills to Tokio Marine HCC-MIS Group to document what medical services are provided to you and the cost for each service. HCC-MIS will pay eligible expenses directly to your health care provider(s). 

You may have to meet your deductible before your insurance plan begins to pay the cost of your medical bills. You may need to pay the part that is of your own responsibility, if applicable.

After your medical treatment, you need to submit a completed Claimant’s Statement and Authorization Form , along with other requested documents to Tokio Marine HCC-MIS Group. Your Claimant’s Statement and Authorization provides HCC-MIS with information to evaluate your claim, also allows HCC-MIS to request medical records from your medical provider(s). Be sure to keep a copy of all submitted documents for your records.

More about How to Complete and Submit a Claimant's Statement and Authorization Form?

The claims examiner at HCC-MIS will review your medical records and expenses to determine whether to pay or deny the claim(s). The claims examiner may request more information from you or your medical provider(s).  HCC-MIS will complete the claims process once they have all the necessary information.

If the claim is deemed eligible, Tokio Marine HCC–MIS will pay billed charges of eligible medical expenses directly to your healthcare provider(s). You will receive an Explanation Of Benefit letter that tells you if your claim is paid or denied. During the claim process, you may visit Client Zone to check your claim status. 

For medical expenses that are not covered by your insurance plan, your health care provider(s) will send you a bill for what you owe, you can pay your medical provider(s).

Find out more about the claims process at Tokio Marine HCC-MIS Group Claims Resource Center.