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Old 02-14-2017, 08:49 AM
 
106 posts, read 84,918 times
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The good news is that the ACA is going to be replaced very quickly with something much better and much cheaper, as soon as it can be invented. Unfortunately, those in charge now forgot to invent it for the last 8 years.
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Old 02-14-2017, 09:38 AM
 
Location: WA
2,838 posts, read 3,945,537 times
Reputation: 3431
I'm not sure what you guys are talking about regarding portability of health plans.

Generally speaking, health plans are regulated at the state level and the physician provider networks are put together regionally. So if you want insurance in Washington State you should find an insurance company that operates in Washington State so that your in-network providers and hospitals are local and you have an insurance plan that the local clinics and hospitals are used to dealing with.

That said, all insurance plans have provisions for travel outside of your home area so that you can get emergency coverage in other states or countries. But this is generally more cumbersome and sometimes more expensive and not what you would want to do long-term. So if you move to Vancouver from say Florida, yes, your Florida coverage should still cover you in Vancouver, at least to start, but you won't want to remain on a plan that has all the in-network doctors and hospitals 3,000 miles away. That would make no sense.

That is why these calls for selling health insurance across state lines are so ridiculous. The result would be horrible for consumers. Say, for example, you work for a Mega-Corp employer that has stores all across the US. Your Mega-Corp employer is based in Arkansas. By law they have to provide you with health insurance due to their size. Under current law they have to pick from plans that are offered and approved in Washington by insurance companies that operate in Washington. Under proposals to allow insurance to be sold across state lines your Mega-Corp employer could find a much cheaper plan from a bare-bones insurance company operating in Arkansas according to Arkansas insurance laws not Washington insurance laws. And guess what, you end up with a plan where the nearest in-network provider and hospital is in Little Rock Arkansas and none of the clinics and hospitals are interested in taking your insurance here in Washington. Who do you complain to? The insurance commissioner in Arkansas because that is were the plan is based. Washington State would have no jurisdiction, and neither would the Federal Government as insurance is regulated at the state level.
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Old 02-14-2017, 09:49 AM
 
7,052 posts, read 4,084,290 times
Reputation: 9461
I've got United Health. Which is not sold in WA state itself apparently. Yet I have a choice of 135 in-network primary care physicians within 20 miles of Battle Ground. Coverage is the same as if I was still in Ohio. We have remote employees all over the place so maybe it's the nature of the plan.

Based on what they're saying definitely check that is the case for your plan as well.

Last edited by notnamed; 02-14-2017 at 10:49 AM..
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