Finding Health Insurance While Living In More Than One State

Finding a health insurance plan that covers your preferred healthcare providers and necessary medications can be a challenge, especially if you split your time between two states or travel frequently. A health insurance agent can help you find affordable health insurance that provides the coverage you need, wherever you are.

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Health Insurance If You Have Two Addresses

According to federal regulations, if you have permanent addresses in two states, then you can purchase health insurance in one or both places. This applies to snowbirds who spend the chillier months in one location and the warmer months in another. Generally speaking, you should buy a plan in the state in which you call your permanent residence. If you spend 6 months and 1 day in one state, that should be the place in which you buy your health insurance, and then make sure you get a plan that is a PPO with a nationwide network so you can be “in network” nationally if possible to keep your medical expenses as low as possible.  With a PPO, however, you can still see out of network doctors anywhere, you’ll just have higher medical costs.  Some insurance plans will have “reciprocity” which will allow you to see doctors and providers in another state in which are part of the same company but in another state, so these doctors are “borrowed”.

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Health Insurance for Frequent Travelers

If your health insurance plan meets the requirements of the Affordable Care Act, then it covers you if you have an emergency and need medical attention when you are outside of your plan’s network. Employer-sponsored plans often have nationwide networks, but individual market plans usually have localized networks. When traveling, if possible, call the number on the back of your insurance card, the “Member Services” number, and tell them you are traveling, and ask for assistance. You can explain your situation or medical conditions you are experiencing, and they will be able to guide you in getting coverage where you are visiting/traveling.

How Nevada Insurance Enrollment Can Help Snowbirds Get Health Insurance

Different health insurance policies have different coverages for out-of-network care, and making assumptions about what your plan covers can be a costly mistake. If you split your time between homes in two different states, a Nevada Insurance Enrollment health insurance agent can help you determine what your best health insurance option is based on your needs and budget.

Related Articles:

What Is a Health Insurance Network?

Health Insurance While Traveling Out of the Country

What Is The Difference Between An HMO And A PPO?

Health Insurance When Traveling – What You Need to Know

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