See Also: Can I Buy Health Insurance Across State Lines? National Network PPOs We would recommend supplemental accident coverage if you travel a lot for work. It’s always better to understand exactly what your insurance coverage will pay for before traveling than to run the risk of a denied claim after an emergency occurs. Unfortunately, there is no concrete definition of “emergency,” and some insurance companies will deny claims that they judge as being not true emergencies. This means that if you’re involved in a car accident and taken by ambulance to a hospital outside of your network, your insurance company should still be responsible for paying this expense. In most cases, insurance companies are required to pay for reasonable emergency medical expenses regardless of the hospital you go to. The Long Answer: Your out-of-state coverage is going to really only cover emergencies, and not much else-there's also loopholes to what's considered an Emergency. See Also: Is there an Alternative to Obamacare? Know that a permanent move (that can be proved with official documents) does qualify you for a special enrollment period to switch to a local plan that will cover you. However, for 2022, Ambetter is the only company we aware of that offers out-of-state routine care as both HMOs and PPOs have moved to local, more constricted networks to keep costs down. Contact your current insurance provider for more information about their specific plan network. ![]() Whenever you visit a provider outside of your network, you will pay a larger share of the cost. ![]() Every health plan has a “network” of healthcare providers. As long an emergency is considered life-threatening, it will be covered as in-network, regardless if the hospital is in your plan’s network. T he Short Answer: All plans cover emergency services at any hospital in the United States, regardless of what state plan was purchased from, with the exception of Hawaii.
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