Is Blue Cross Blue Shield of N.C. strength insurance still valid if the policy holder moves out of state?
I know a self-employed person who is insured by Blue Cross Blue Shield of North Carolina, but who left N.C. a year ago to work somewhere else temporarily. He hasn't have to file a claim so far but I'm wondering if his insurance coverage is still valid even though he's paying the premium every month. He has not given them a silver of address notification.
Answers:
Sure it's valid - but will only cover out of state for natural life threatening emergencies.
If this person is self employed next that means they purchased the policy for themself. This is called an "individual" coverage policy. Most race get insurance coverage through their employer. This is called "group" insurance coverage.
Individual coverage differs form group covrage contained by many ways. Individual coverage typically allows a person to receive concern anywhere on the planet, and they can get reimbursed for it. Group coverage typically does not work that way.
An individual policy may compensate less if you receive care out of state, but it would still cover the expense for healthcare. Typically, individual policies, similar to group policies, want you to see a specific network of physicians. Go outside of the network and you suffer a cost, or lower payment.
It does not matter that the policyholder is out of state, or for what length of time. What matter most is residency. As long as residency is maintained in North Carolina, next there's no problem. However, if residency should happen to change, after the policy must also be changed.
Hope that helps answer your question. Source(s): 25 years contained by health insurance.
Jim, Health insurance can be very tricky. Since I'm from Indiana I'm not familiar next to the North Carolina laws and regulations, so I suggest you call a local insurance agent. http://www.americaschoicetoday.com/Health-Insurance.html They should be capable of help you.
Related Questions:
Answers:
Sure it's valid - but will only cover out of state for natural life threatening emergencies.
If this person is self employed next that means they purchased the policy for themself. This is called an "individual" coverage policy. Most race get insurance coverage through their employer. This is called "group" insurance coverage.
Individual coverage differs form group covrage contained by many ways. Individual coverage typically allows a person to receive concern anywhere on the planet, and they can get reimbursed for it. Group coverage typically does not work that way.
An individual policy may compensate less if you receive care out of state, but it would still cover the expense for healthcare. Typically, individual policies, similar to group policies, want you to see a specific network of physicians. Go outside of the network and you suffer a cost, or lower payment.
It does not matter that the policyholder is out of state, or for what length of time. What matter most is residency. As long as residency is maintained in North Carolina, next there's no problem. However, if residency should happen to change, after the policy must also be changed.
Hope that helps answer your question. Source(s): 25 years contained by health insurance.
Jim, Health insurance can be very tricky. Since I'm from Indiana I'm not familiar next to the North Carolina laws and regulations, so I suggest you call a local insurance agent. http://www.americaschoicetoday.com/Health-Insurance.html They should be capable of help you.
Related Questions: