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Tuesday, July 07, 2009


One question to ask your Health Care provider is "what if" I don't necessary plan on being in the state the policy is written in. I found out that the provider "expects" you to be in the state of issue, except for the occasional trip out of the coverage area. It may be a factor of coverage if they start getting bills from different states if medical care is needed.
It's good to know the answer up front rather than when you are facing a bill if the situation arises.

Another "what if" is that most have Health Care providers that will only cover certain doctors in certain areas, in otherwords network providers, and if out of the network you will really pay more in a visit to doctor or hospital if on the road.

John & Judy,

You are correct that many insurers have limited network areas.

That's why we emphasize on our Health Insurance page that folks verify that the insurer has a national network of providers (in-network providers). Of course we made that determination ahead of time for our own policy. :)

We also have health insurance from Anthem BCBS, which is really Wellpoint. Back in 2005 my job was being outsourced to IBM, along with many others in the technical support areas. I was eligilbe for early retirment from Wellpoint, so I took it in order to get the retiree health insurance, as well as to roll over my frozen fixed benefit pension plan into an IRA with Vanguard. Since then our share of the premiums have skyrocketed, but just got notifcation that this year our premiums will be going up a whopping $2.00/month.

I was worried that what with the horrendous medical expenses associated with my wife's recovery from burns a year ago, our premiums would double again or some such. Of course they can still trump up some excuse to cancel our coverage altogether, but I think we're good for another year now.... Health insurance is a biggie, make no mistake about it, but if you shop around you can find something you can afford... No matter what the governemt says, there are 1300 or so health insurance providers out there who are competing mightily for your business..

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