General Discussion
In reply to the discussion: Rolling Stone: republican bill could ruin your life. [View all]Honeycombe8
(37,648 posts)They don't cover outside the geographical area, unless there's an emergency.
There may be exceptions, but I've had policies thru Blue Cross & United Health care, different ones every year, since 2014. They were all that way. Which makes sense, when you think about the pricing and the networks.
A policy in my state, for instance, is different from a policy in another. It has a different name, a different price, a different network of providers. My policy does not exist anywhere else. So I can't call a provider in a neighboring state & ask if they take my policy. I know they don't. They don't have such a policy in their state, and they are not in my network.
It's possible that some national urgent care places are in my network, so that I should use those when out of state in an emergency. But I did read that it will pay for any emergency treatment at any hospital or urgent care place, when I'm out of state.
Maybe there's something that makes it different in your state that makes the insurers provide national coverage, or it's a group policy or something.
Maybe there's a loophole that if there isn't a provider locally for the illness, you can go outside your area to the nearest provider for treatment? I didn't see that in my policy, but maybe they allow that. I couldn't do that...I live alone. If I'm sick, I can't travel out of town alone, and couldn't afford the trip and hotel and such.