In this page, it's mentioned that 'Direct billing depends on the provider'. In the atlas insurance document (link below), it talks about the process to file claims.

"You must submit a claim for any expenses to be paid by us. This includes treatment or services for
which you expect the medical provider is to bill us directly. No payments will be made by us without
you first submitting a claim."

How does this work? Assuming the patient goes to a provider (doctor/hospital) who usually bills the insurance company (or whatever third party it is), should I still file a claim?

When are we expected to file a claim?