Blue Cross and moving out of state (supplement, relative, coverage)
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I am retired and have Blue Cross of Southern California (Anthem...new name) for both myself and my husband. From what I understand, if we move out of state, we will lose the insurance. Of course if we just visit, we will receive 40% coverage rather than 20%. Am I missing something here, or is this true?
Insurance is regulated by each state so you cannot buy insurance across state lines but out of area coverage with an existing policy will vary. Call your insurance company. We bought new insurance after our move and unfortuantely it is quite a bit higher.
We moved to another state 4 years ago and simply applied for a new Blue Cross/ Blue Shield policy. Our insurance here is actually cheaper than CA. Don't cancel your original policy until you get your cards/declaration letter.
Thanks, all of you. I never realized that health insurance plans and coverage did not stay with you no matter where you lived.
It makes perfect sense, however, considering the cost of health care varies from one state to another and from a small town vs. big cities within a state.
I'm glad to have the heads up on this before our move to our retirement state.
I'm having a tough time wrapping my head around all of this because my insurance is paid better than 75% for me and cannot be cancelled, which I suppose I would lose if in another state. I will be calling my employer and insurance company tomorrow.
We are in the same situation as Mesq. My husband's employer pays the total cost of our health coverage based on our current plan after retirement. We currently have an HMO in MA. When we move to TX we will have to change coverage to the PPO plan, which has a deductible and higher co-pays.
We do have a PPO plan now with a $500 deductible for my husband for another year and a half until he reaches medicare. I'm on medicare, so no deductible from supplemental Blue Cross, however, it does cover vision and other sundry things when on medicare. We don't have the choice of an HMO, but not sure I want it anyway. I'm a bit ignorant of HMO's, and perhaps I need to learn more.
I'm hoping others that have BTDT will chime in and let us here what they have done or not if they chose to move to another state.
I believe that full time RV people need to pick a home state. In order to vote you need a permanent address. Could be a small condo, relative etc. You would pick your home state for insurance as well. RVers will probably chime in if I am mistaken.
I am retired and have Blue Cross of Southern California (Anthem...new name) for both myself and my husband. From what I understand, if we move out of state, we will lose the insurance. Of course if we just visit, we will receive 40% coverage rather than 20%. Am I missing something here, or is this true?
Has anyone else experienced this problem?
Thanks for the help.
Mesq
When I moved from MD to TN, I kept my Blue Cross. It was called Care First in MD and it's called Blue Cross and Blue Shield of Tennessee, here. I did get a new card. Before I moved, I called and they sent me a Tennessee book of doctors and services. Call the number on the back of your card and they'll transfer you to the Blue Cross in the state you are moving to and they'll answer your questions.
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