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Honeycombe8

(37,648 posts)
17. Obamacare individual policies are geographically based & priced & have networks.
Thu Jun 22, 2017, 12:52 AM
Jun 2017

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.

Far too many Americans have been conditioned to celebrate their own abuse. Solly Mack Jun 2017 #1
Yep. world wide wally Jun 2017 #7
The hate us so much, they will "cheer their own demise," Alice11111 Jun 2017 #9
Yes Solly Mack Jun 2017 #11
Maybe this will be what wakes America up? Dopers_Greed Jun 2017 #2
Which they then call a mandate. gtar100 Jun 2017 #3
+1 on all your points. . . . nt Bernardo de La Paz Jun 2017 #4
Without the subsidy, I'm out of the healthcare system, anyway. Honeycombe8 Jun 2017 #5
Well, the Mayo Clinic took my Obamacare. I had Alice11111 Jun 2017 #12
HMO - you can only go to a PCP, who can refer you to a specialist or hosp. Honeycombe8 Jun 2017 #15
I had to travel across country to Minnesota. I had an Alice11111 Jun 2017 #16
Obamacare individual policies are geographically based & priced & have networks. Honeycombe8 Jun 2017 #17
Obamacare Depends on the policy that you chose.Out of state Alice11111 Jun 2017 #21
Oh, I see. Out of my price league. Basic HMO w/hi deduct was $800/mo for me.... Honeycombe8 Jun 2017 #22
I'm sorry about your situation. Also, I agree w your last parag Alice11111 Jun 2017 #23
Your plan directory El Mimbreno Jun 2017 #18
It was wrong. I used it and found none of those drs accepted my plan. Honeycombe8 Jun 2017 #19
I had a similar experience w my Supp plan. The state gave Alice11111 Jun 2017 #24
+1. Thank you! Some have suggested I was lying. I think they don't do a list for a plan... Honeycombe8 Jun 2017 #26
I did not know about the code that said I had a subsidy. Alice11111 Jun 2017 #27
You probably don't have a code in your state. Texas did that. Guess drs. wanted that. Honeycombe8 Jun 2017 #28
I paid BCBS twice on one month, when they switched Alice11111 Jun 2017 #30
It's called genocide. roamer65 Jun 2017 #6
The net worth of someone in the top .1% can easily fluctuate well over $200,000 with the daily lutherj Jun 2017 #8
According to Al Franken, the tax break will be $7 million Alice11111 Jun 2017 #13
People will support Dear Leader and his hideous bill until it affects them personally. Vinca Jun 2017 #10
They do seem to see the light only when one of their own Alice11111 Jun 2017 #14
They will still find a way to blame the evil liberals. Even then. Coventina Jun 2017 #20
The evil Mitch McConnell, who will doom millions to a lack of health care and even death, smirkymonkey Jun 2017 #25
OMG. I didn't know it was possible for him to be worse. Alice11111 Jun 2017 #29
That is what is so disgusting about this! smirkymonkey Jun 2017 #31
When they have the best retirement &insurance benefits Alice11111 Jun 2017 #32
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