1. 15645 POINTS
    Edward HarrisPRO
    Owner, Best Health And Car Insurance Rates - Instant Online Quotes, US
    Your health insurance will typically cover you out of state. More than likely, your Network has providers in additional states. In the event of an emergency, usually your insurer will provide benefits no matter where you are in the US.

    Of course, it's best to check with your broker or the insurer.
    Answered on June 4, 2013
  2. 2775 POINTS
    Joe 'Gravy' Graves
    Owner, I Hate Buying Insurance, Nashville TN
    Please forgive any grammar or punctuation mistakes as I am using talk to text on my phone.

    So much has changed since this question was asked. More than ever before comma it is vital, understand I'm emphasizing vital Kama that you understand how your network actually works. In my home state for the first time in 2016 we had Network types other than a PPO available. One called an EPO and the other a POS.

    Other than true emergencies there is no coverage outside of the network service area with many, if not all, of these types of Networks. The definition of emergency is very Grey. What you may think is an emergency may not be viewed as such by the insurance carrier.

    Depending on what's available in your state I would suggest buying a PPO or HMO if at all possible. Although the deductible and out-of-pocket maximum typically doubles when you go out of network with these type of plans, it's much better than being stuck with 100% of the bill.

    If your agents is not specifically, and accurately comma scrubbing the doctors and hospitals that you wish to access during the buying process - fire that agent!! Access. Access. Access. Don't you want to buy something that is worth the money you pay every month? Please understand your network. Please pay a little extra for a network that includes as many doctors and hospitals as possible. A network that possibly has Nationwide access to the Top Doctors and hospitals.

    If you have any questions, please reach out. - gravy
    Answered on March 12, 2016
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