I am moving to arizona and currently have a grandfathered in, very good New York Aetna health insurance with many out of network benefits that I CANNOT lose. I have a serious medical condition and don’t want to risk not being covered by a new plan. Can I transfer. My aetna plan from New York to arizona and keep all the same benefits? I know aetna is nationwide…… Please tell me some good news… I am terrified.
Can I transfer my aetna health insurance plan to arizona aetna plan?
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If you are covered under an individual AETNA policy then there will almost certainly be issues. You will need to check with AETNA's customer service unit to be sure about what the portability provisions are on your policy, but my take on the individual situation is that health insurance, especially individual health insurance, is regulated at the state level. AETNA is available in the individual marketplaces of both New York and Arizona. But, an AETNA policy approved in New York may not be the same as an AETNA policy approved for sale in Arizona. The rates and network will also almost certainly change. So, taking your New York policy with you may not be simple or even possible. New York has a reputation for doing things their own way and this is especially true in the insurance business. You can certainly stay with AETNA when you move to Arizona but I would anticipate that they will want to enroll you in an AETNA individual policy approved for residents of Arizona that will then also be an ObamaCare compliant plan.
With relocation out of state being involved, I think it is unlikely you will be able to continue your grandfathered plan (I hope I'm wrong for your sake). A move like yours is explicitly listed in the Affordable Care Act as one of the "change of life status" events that qualifies you to enroll in ObamaCare outside of open enrollment. You'll have 60-days to enroll from the date your existing coverage might cease.