1. 60 POINTS
    Stephen Littles
    Agent, Aflac, Assurant, Aviva and more, Houston
    Hi, I'm going to answer this question with a disclaimer. "Please check your policy provisions and exclusions." Now It depends on a few things, do you have an HMO, PPO, POS etc..... A HMO may only cover you in the network coverage area that you are in, and in that case there may be some coverage out of network but at a higher fee than if you went to a network Physician. If you like please feel free to contact me and I will try and help you sort through and find more answers. I hop that helps!
    Answered on March 23, 2014
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