President | Founder, CLM Insurance Group, Delray Beach, FL
Long term major medical policies will not be issued anywhere other than your primary physical residence. If you need health insurance outside of your state you would need to purchase a short term major medical. Unfortunately, these plans do not cover wellness, pre-existing conditions and only last for up to 12 months. A better route to go would be a long term major medical with a national PPO network allowing you access to the benefits across the country.
For more information on out-of-state major medical plans visit www.clminsure.com or call 561-320-2978
No. Major medical insurance is controlled at the state level. For this reason you must purchase major medical insurance from an insurance carrier approved in your state of residence. With the most recent stage of implementation of the Affordable Care Act on January 1, 2014 this has often resulted in stark contrasts in the cost of individual and small group health insurance depending upon which side of the state line a person or business is domiciled.
As an agent in Memphis, Tennessee I can assure you that there are lots of people in Arkansas and Mississippi who wish they could purchase individual health insurance in Tennessee. The cost differences (which always varied from state to state) are now substantially different and higher for the residents of Arkansas and Mississippi. That's not to say health insurance costs aren't higher in Tennessee in 2014 but they did go up far less than in surrounding states.
You may have been confused by some politicians talking about allowing the purchase of health insurance policies across state lines. However, this is not how the Affordable Care Act is currently structured. While this idea sounds great on the face of it, it is neither practical nor a real solution for the cost problems individuals and small businesses are being presented with. All health care is local and just as the cost of living and real estate prices are vastly different from New York City to Omaha, Nebraska, the same is true of health care and the health insurance plans tied to it in a given geographic area.
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For more information on out-of-state major medical plans visit www.clminsure.com or call 561-320-2978
As an agent in Memphis, Tennessee I can assure you that there are lots of people in Arkansas and Mississippi who wish they could purchase individual health insurance in Tennessee. The cost differences (which always varied from state to state) are now substantially different and higher for the residents of Arkansas and Mississippi. That's not to say health insurance costs aren't higher in Tennessee in 2014 but they did go up far less than in surrounding states.
You may have been confused by some politicians talking about allowing the purchase of health insurance policies across state lines. However, this is not how the Affordable Care Act is currently structured. While this idea sounds great on the face of it, it is neither practical nor a real solution for the cost problems individuals and small businesses are being presented with. All health care is local and just as the cost of living and real estate prices are vastly different from New York City to Omaha, Nebraska, the same is true of health care and the health insurance plans tied to it in a given geographic area.