After I hit apply the form says: “Name of Sponsoring Organization: World Race”. I am going with AIM but not World Race. Does this change anything?
World Race is in that slot for book-keeping reasons. It also links you to the discounted rate for AIM participants for the Atlas Group plan. It will not affect your coverage.
What contact info do I fill where it says “Group Mailing Address”?
Use your own name, mailing address, and the email you would like the policy information sent to.
How will I get my insurance documents?
They will be emailed to the email address you provide as soon as your payment clears.
Will I get an ID card I can carry with me?
The Atlas Group plan ID card with the number to call in case of a medical emergency will be in the attached pdf file for you to print out and carry with you.
How may I add sports coverage to this plan?
As of May 1, 2012, sports coverage is automatically included with this plan.
I selected the dates correctly but when I press “Get Quote” an error comes up saying that they are incorrect. How can I get a quote and buy the Atlas plan for my World Race trip?
This error comes up sometimes when you are using older versions of the Safari browser. If you are using Safari try getting the quote in another browser, like Firefox or Chrome, both of which are available for free online.
Download Firefox: http://www.mozilla.org/en-US/firefox/new/
Download Chrome: https://www.google.com/chrome
I am a resident of Canada or New York and a tab comes up that says I cannot purchase this insurance if I am physically in Canada or New York. Why does this happen?
Some states and/or country’s governments do not allow an insurance plan to be sold to their residents. The main two reasons are:
- Governments may request extra benefits that the insurance company/reinsurer do not want to provide. Insurance companies have these plans packaged, so if they accept these higher benefits the premiums will go up for everyone, even those not residing in New York.
- Governments sometimes try to keep ‘outside’ insurance companies from selling their benefits to allow local insurance plans to have the market.
How can I get travel health insurance if I am in Canada or New York?
There are two options:
- If you can wait until you are outside of Canada or New York you can legally buy this plan, as long as the insured person is physically outside of Canada or New York at the time of purchase.
- Another option we have available is the Outreach travel health insurance plan: http://www.healthinsuranceinternational.biz/outreach.asp. This plan is very similar to the Atlas International policy World Race is linked to. You may add sports coverage to the Outreach plan as an optional benefit. Non-U.S. citizens: Please note the premium for this plan will be higher for you since the Outreach plan will cover you anywhere outside of your country of citizenship, including coverage in the U.S. This plan will not cover U.S. citizens in the U.S.
PRE-NOTIFICATION / PRE-CERTIFICATION
Pre-certification means that the insurance company and medical foundation must approve the medical care you are requesting. Sometimes this is called “utilization review.” You are given a phone number to verify that the medical treatment you are requesting will be paid for by your insurance. This is how insurance companies make sure that no undue operations or medical procedures take place. By so doing they are able to keep insurance premiums lower for each of us. The real question pre-certification seeks to answer is: “Is the care being requested by the client ‘medically necessary?'”
Companies have different policies as to when pre-certification takes place. Some say you must pre-certify seven days before an operation, others two weeks. Some say only 48 hours. Of course emergencies are a different matter, but even those must be reported to the company within a specific time limit. Read your policy to determine pre-certification requirements. Of course pre-certification is not necessary for ordinary visits to your physician. But for major care, MRIs, x-rays, lab work, in-patient and outpatient surgery, ALWAYS call the pre-certification number on your insurance card. The rule of thumb: If in doubt whether your insurance will cover a medical expense, phone your pre-certification number first and find out.
Also remember that your insurance may not cover what your doctor insists is “medically necessary” care. For example, a person may have an alcohol problem, and the doctor suggests treatment for substance abuse. The treatment may be “medically necessary,” but the insurance policy may exclude coverage for “substance abuse.” Carefully read the “exclusion” page of your policy. Remember the rule: When you are considering any major medical care or expense, always pre-certify.
For pre-certification, call HCC at:
In the US: 1-800-605-2282
Outside the US: 0-317-262-2132 (collect)
All Hospitalizations, Surgeries, Emergency Evacuations, Emergency Reunions, Trip Interruptions, Repatriation of Remains, Computerized Tomography (CAT Scan), AND Magnetic Resonance Imaging require pre-notification.
Pre-notification may be completed by a phone call from the patient, a friend or family member, or a representative from the medical provider. Pre-notification is a requirement of the policy, but it is does not provide a guarantee that the services will be covered by the insurance.
For medical treatment outside of the US, you may use the provider of your choice without affect on benefits. HCC can offer assistance with locating providers for many areas overseas. If you need assistance finding a physician abroad, please contact our office.
When HCC Medical Insurance Services receives the documentation for your claim, a file will be set up and the claims will be reviewed within 10 business days. If additional information is needed in order to make a benefit determination, the claim representative will begin a written request. Additional information requests may include: medical records, itemized bills, or copy of passport. Once all necessary information has been received and reviewed, the Explanation of Benefits forms and checks are issued within ten business days.