I bought Atlas insurance for my dad last May. My dad fell ill with fever and stomach ache during september and had to see the doctor. The doctor reccommended a scan and the bills were sent to HCCMS for claim and they came back to us asking for additional information and we provided the same. since then, i hear no information other than the claim is in process. i have called repeatedly to receive no information other than that the claims are in process and all of a sudden, they are telling me today that mostly the insurance would be denied as the time as expired. i was extremely shocked and i am planning to go to my attorney on this. I do not want any of my fellow folks to be cheated & scammed by this company ever. i also plan on writing about this in detail in my blog and bringing awareness on what this company does. KEEP AWAY FROM THIS COMPANY!!!