Does My Health Insurance Cover Me In Other States?

Comments

2 responses to “Does My Health Insurance Cover Me In Other States?”

1. 

   May 7, 2014

   Edward Harris

   When you travel to other states, often your health insurance will cover you, depending on your carrier, their network and type of claim.

   For example, a life-threatening procedure is generally covered. However, a simple office visit may be treated differently. It’s best to check with your carrier or broker to determine in advance what the outcome would be.
2. 

   May 6, 2014

   Tom Sheehan

   Your health insurance will more than likely provide coverage for you outside of your home territory or state, yes.  Be sure to discuss the specific terms and conditions of your policy with your insurance professional because the amount of benefit provided may be different (less)  if you use an out of area or out of network provider or service.
3. 

   May 6, 2014

   Barry Cohn

   If you have a PPO health insurance plan you have in-network benefits as well as out-of-network benefits.  This means that if you are traveling out of your home state you will have benefits which are most likely out-of-network benefits.

   Out-of-networks benefits are less than in-network benefits. For example your deductible may be $500 in-network and $1,000 out-of-network.  In addition your co-insurance might be 20% in-network but 50% out of network.  The annual out-of-pocket maximum would be higher also.
4. 

   March 12, 2013

   Bob Vineyard

   Almost every major medical policy I have seen has nationwide coverage.

   That being said, as +Larry Gilmore pointed out, you may be out of network. This is more typical for an HMO plan than PPO, but you need to be aware of the providers you use.

   When you receive services from a non-par provider be aware they can balance bill you for the difference in the amount your plan pays vs their “regular” charge. The differential can be significant.
5. 

   March 11, 2013

   Larry Gilmore

   In almost all cases the answer would be “yes”. It will depend on what the policy sates inside it in regard to services in other areas. In most cases “emergency” situations are handled the same no matter what state you’re in.Regular services (routine visits, etc..) may not be covered or covered depending on what policy you have. It is always a good idea to review your coverage and concentrate on the exclusion pages and out of area service levels before you travel to be certain.