Does My Health Insurance Cover Me In Other States? 
If you have a PPO health insurance plan you have in-network benefits as well as out-of-network benefits . This means that if you are traveling out of your home state you will have benefits which are most likely out-of-network benefits . Out-of-networks benefits are less than in-network benefits . For example your deductible may be $ 500 in-network and $ 1,000 out-of-network . In addition your co-insurance might be 20 % in-network but 50 % out of network . The annual out-of-pocket maximum would be higher also . 