Will My Health Insurance Cover Me Out Of State? 
Please forgive any grammar or punctuation mistakes as I am using talk to text on my phone . So much has changed since this question was asked . More than ever before comma it is vital , understand I 'm emphasizing vital Kama that you understand how your network actually works . In my home state for the first time in 2016 we had Network types other than a PPO available . One called an EPO and the other a POS . Other than true emergencies there is no coverage outside of the network service area with many , if not all , of these types of Networks . The definition of emergency is very Grey . What you may think is an emergency may not be viewed as such by the insurance carrier . Depending on what 's available in your state I would suggest buying a PPO or HMO if at all possible . Although the deductible and out-of-pocket maximum typically doubles when you go out of network with these type of plans , it 's much better than being stuck with 100 % of the bill . If your agents is not specifically , and accurately comma scrubbing the doctors and hospitals that you wish to access during the buying process - fire that agent !! Access . Access . Access . Do n't you want to buy something that is worth the money you pay every month ? Please understand your network . Please pay a little extra for a network that includes as many doctors and hospitals as possible . A network that possibly has Nationwide access to the Top Doctors and hospitals . If you have any questions , please reach out . - gravy 