California health insurance  -  Apply online for health coverage  -  Health insurance between States

How Individual Family Insurance Works Between States

 

People in the United States move around quite a bit.

 

This poses quite an issue in terms of Individual health insurance as the carriers are separate companies from State to State and for the most part, health insurance does not transfer across State lines.

 

For people moving to another State outside of open enrollment, what can they do?

 

The other issue is for people that live next to a border where medical providers might only be 5 minutes away but in a whole different State.

 

You can quote the California health insurance options available here:

 

 

Let's look at how California health plans address coverage in other States.


Moving to another State and Individual health insurance

 

We typically get calls from people moving to (or from) California who just want to transfer their health plan over.

Unfortunately, it's not that easy.

 

Each State's health insurance is separate and even if a carrier (say Anthem) operates in both States, the plans, regulations, and options are different.

Some big carriers like Anthem may have transfer options but the best rates and options require re-applying in the new State.

 

Since the ACA law passed, moving to another State is a qualifying trigger for Special Enrollment which allows you to enroll outside of Open Enrollment.

 

A few key points.  

 

You must enroll within 60 days of moving to the new State. 

Otherwise, you will probably need to wait till Open Enrollment but call us at 800-320-6269 as there are some avenues to enroll.

 

Your effective date depends on when in the month you enroll. 

If you enroll from the 1st to the 15th of a month, you can get the next 1st of the month.  If you apply after the 15th, your effective date may move to the next 1st of the month (unless you're also losing coverage). 


Medical services out of State and your California individual health insurance

 

Generally speaking, the carriers may only provide true emergency coverage (check with carrier for their definition of emergency but be conservative) out of State for HMO plans.

 

On the PPO side, Blue Shield of California is part of the Blue Card program which may extend your benefits when seeing providers in other States.

 

Always check with Carrier regarding their rules for out of State.

Some carrier have very limited if no networks outside of the State. 


Providers across State line

 

There are locations along the California border where health care providers may be just across State line.

 

The same general guidelines above for out of State are a good rule of thumb but some of the major California carriers address this issue by extending networks in such areas.

 

PPO plans with Blue Shield (as part of the Blue Card network) are ideal in this situation.

 

Other important concepts to help you understand your California health insurance quote are:

The Blue Card program
Special Enrollment triggers under Covered California

 

You can run your Health Plan Quote here to view rates and plans side by side from the major carriers...Free.

 

Again, there is absolutely no cost to you for our services.  Call 800-320-6269 Today!
 

 Follow calhealth.net on social media


ABOUT SSL CERTIFICATES

Covered Ca tax credits
Call 800-320-6269
Our Services are FREE to You!

Call to Enroll over the Phone in 15 Minutes

Enroll Covered Ca quickly online

Call 800-320-6269

Anthem Blue Cross California
Blue Shield of California under Covered California
Kaiser of California
Health Net of California
Aetna
and more
Thousands of Californians
Hundreds of California Companies
SUCCESSFULLY
ENROLLED
Thousands of Californians
Hundreds of California Companies

from SC

"My sincere thanks for making a miracle happen- 2014 health insurance !! Many thanks for your expertise and advice yesterday !!"

from SD

"Thanks again for your help - I had absolutely no idea how to get this done when I got up this morning. You've made it remarkably easier than I expected. I hope you're not stuck at the office all night..."

from KV

"Anyway, I hope you got some time off this past week! Thank you again for your help and efforts on my behalf! I was very lucky to find you."

from EK

"I thank you very much for the time that you have invested in handling everything

from SR

"I truly appreciate the quick response and will think of you in the future if I need to make any changes to my insurance plans."

from VH

"You are awesome... takes a huge worry off my back, thank you for your kind. thanks for your time and kindness. !!"

from SA

"Wow, I can't thank you guys enough for your help...I couldn't imagine trying to tackle this on my own!"

from LM

"You are my new best friend. A HUGE thank you again.

SUCCESSFULLY
ENROLLED
Find out what customers are saying about our services
About Calhealth.net

20 years of experience in the California health insurance market has taught us one thing...Competent and experienced guidance is Invaluable

We can quickly (very important) size up your health insurance needs and clearly explain the options available to you. Our focus is finding the most coverage at the best cost to you.

We are licensed Covered Ca agents with in-depth knowledge of their plans, process, and tax credits.

Call us...you will be Pleasantly Surprised.  800-320-6269

Request a 10 Minute Health Plan Check-up

We'll quickly see if you have the best priced plan available and if you qualify for a tax credit

800-320-6269
calhealth website

Our Services are FREE to You

Calhealth.net is a Goodacre Insurance Services Website

This website is owned and operated by Goodacre Insurance Services, which is solely responsible for its content. This site is not maintained by or associated with Covered California, and Covered California bears no responsibility for its content. The email address and phone numbers that appear throughout the site belong to Goodacre Insurance Services, and cannot be used to contact Covered California.