People in the United States move around quite a bit.
This poses quite an issue in terms of Individual health insurance as the carriers are separate companies from State to State and for the most part, health insurance does not transfer across State lines.
The other issue is for people that live next to a border where medical providers might only be 5 minutes away but in a whole different State.
You can quote the California health insurance options available here:
Let's look at how California health plans address coverage in other States.
We typically get calls from people moving to (or from) California who just want to transfer their health plan over.
Unfortunately, it's not that easy.
Each State's health insurance is separate and even if a carrier (say Anthem) operates in both States, the plans, regulations, and options are different.
Some big carriers like Anthem may have transfer options but the best rates and options require re-applying in the new State.
A few key points.
You must enroll within 60 days of moving to the new State.
Otherwise, you will probably need to wait till Open Enrollment but call us at 800-320-6269 or email us at help@calhealth.net as there are some avenues to enroll.
Your effective date depends on when in the month you enroll.
If you enroll from the 1st to the 15th of a month, you can get the next 1st of the month. If you apply after the 15th, your effective date may move to the next 1st of the month (unless you're also losing coverage).
Generally speaking, the carriers may only provide true emergency coverage (check with carrier for their definition of emergency but be conservative) out of State for HMO plans.
Always check with Carrier regarding their rules for out of State. Some carrier have very limited if no networks outside of the State.
There are locations along the California border where health care providers may be just across State line.
The same general guidelines above for out of State are a good rule of thumb but some of the major California carriers address this issue by extending networks in such areas.
Currently, Anthem Blue Cross EPO still has the Blue Card access if available in your area. Verify with us at help@calhealth.net
Other important concepts to help you understand your California health insurance quote are:
The Blue Card program
Special Enrollment triggers under Covered
California
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Today!