What health insurance is accepted in all 50 states? (2024)

What health insurance is accepted in all 50 states?

Most Blue Cross Blue Shield members can rest easy since Blue Cross Blue Shield coverage opens doors in all 50 states and is accepted by over 90 percent of doctors and specialists. And if your extended travel plans take you abroad, you can ensure you have access to quality care through GeoBlue.

Do I need multi-state car insurance? No. No matter where you live, your standard car insurance policy will typically cover you in all 50 states and Canada.

Generally, many plans will cover emergency and urgent care services even if you're out of state. So, if you're traveling and need an emergency medical treatment, you'll typically be covered, even if you're out of your plan's home network.

You should buy coverage in the state where you officially reside. Most states consider you a resident if you intend to make that state your permanent home.

You need to sign up for a new plan if you move to another state.

The federally run exchange is HealthCare.gov. It's used in 33 states as of the 2023 coverage year. The other 17 states and the District of Columbia run their own exchanges.

Original Medicare (Parts A and B) covers hospital care and doctor visits in all 50 U.S. states and its territories, as long as providers accept Medicare. Certain Medicare Advantage plans also provide state-to-state coverage, but some limit coverage to a defined service area.

Cigna has medical plans available in 12 states: Arizona, California, Colorado, Connecticut, Florida, Georgia, Maryland, Missouri, North Carolina, South Carolina, Tennessee, and Texas. Dental plans are sold in all 50 states and the District of Columbia.

Most Blue Cross Blue Shield members can rest easy since Blue Cross Blue Shield coverage opens doors in all 50 states and is accepted by over 90 percent of doctors and specialists. And if your extended travel plans take you abroad, you can ensure you have access to quality care through GeoBlue.

If you plan to travel outside Canada ‒ even for a day in the United States – you should buy travel health insurance before you leave.

Is health insurance valid in other states?

Some plan types, like PPO or OAP plans, allow for full access to any and all participating providers in that carrier's network, regardless of which state you reside in. Other plan types, like HMO or POS plans, will cover emergency services anywhere in the country but may not cover routine care in another state.

It's very important to report moves out of state immediately so you can enroll in a new plan without a break in coverage — and avoid paying for coverage that doesn't apply in your new state. When you move out of state, you'll need to start a new Marketplace application and enroll in a plan in your new state.

What happens to my insurance coverage if I live between two states? If you choose not to enroll in a new plan upon leaving for your second state, your insurance will only cover emergency care, and if you want any other in-network service, you will have to return to the state you enrolled in.

USHEALTH Group is a UnitedHealthcare company that offers health plans through 3 insurance company subsidiaries: Freedom Life Insurance Company of America, National Foundation Life Insurance Company and Enterprise Life Insurance Company, all of which access the ChoicePlus network.

UnitedHealthcare is the health benefits business of UnitedHealth Group, a health care and well-being company working to help build a modern, high-performing health system through improved access, affordability, outcomes and experiences.

When you or any of your dependents are a member of an Employer Plan and you also are eligible for Medicare, United will apply the terms of the Employer Plan along with rules and regulations of Medicare in determining whether Medicare or your Employer Plan will be the Primary Plan.

Ten states—Alabama, Florida, Georgia, Kansas, Mississippi, South Carolina, Tennessee, Texas, Wisconsin, and Wyoming—have not expanded Medicaid eligibility under the Affordable Care Act to individuals with incomes up to 138% of the federal poverty level.

Coverage under the Medicaid expansion became effective January 1, 2014 in all states that have adopted the Medicaid expansion except for the following: Michigan (4/1/2014), New Hampshire (8/15/2014), Pennsylvania (1/1/2015), Indiana (2/1/2015), Alaska (9/1/2015), Montana (1/1/2016), Louisiana (7/1/2016), Virginia (1/1/ ...

For many low-income Medicare beneficiaries, there's no need for private supplemental coverage. Only 19% of Original Medicare beneficiaries have no supplemental coverage. Supplemental coverage can help prevent major expenses.

What happens to my Medicare if I move to another state?

Medicare Part A and Part B will always travel with you. But for Medicare Advantage (Part C) plans and Part D prescription drug plans, you may lose your existing plan and need to enroll in a new one.

Original Medicare generally doesn't cover the cost of a nursing home , assisted living or long-term care facility. Medicare Part A does cover care provided in a skilled nursing facility with certain conditions and time limitations.

Kaiser Permanente offers a patient-focused approach to care, but with fewer products available in fewer markets. Cigna has a more diverse portfolio of policies and a larger coverage area. Both Cigna and Kaiser Permanente boast strong financial and quality ratings along with dedicated customer service and ease of use.

Cigna is a good insurance company, but it isn't usually the best option for most people. Even in the states where its rates are cheaper than the state average, Cigna usually isn't the cheapest health insurance. And its customer satisfaction is typically lower than average.

Cigna's competitors and similar companies include CVS Health, UnitedHealth Group, Molina Healthcare, Elevance Health, Aetna and Humana.