Does my health insurance cover me if I go to another state for treatment? Are Insurance providers governd by the laws in my home ST or the state I go

Get Legal Help Today

 Secured with SHA-256 Encryption

Does my health insurance cover me if I go to another state for treatment? Are Insurance providers governd by the laws in my home ST or the state I go

Does my health insurance cover me if I receive treatments in another state? Are Insurance providers governd by the laws in my home ST or the state I go to for treatment?I have cobra from a former employer in Florida, but it does not cover IVF treatments. NJ the insurance does cover IVF. Can I go to NJ and receive IVF treatments and will it be covered by my cobra cigna medical insurance? Do I need to move to NJ & establish residency? How long does residency take to establish in NJ?

Asked on May 31, 2009 under Insurance Law, Florida

Answers:

MD, Member, California Bar / FreeAdvice Contributing Attorney

Answered 12 years ago | Contributor

Oh boy. Not all insurance is created the same. Your COBRA simply continues for a short amount of time what you already have.  This means that if under your old insurance you weren't covered out of state, then you won't be covered out of state.   What you may wish to ask is your insurance company is if they cover it in this other state and if you can simply go there -- i.e., get a pre-qualification/pre-approval before you cross borders -- I don't think establishing residency is your answer. 

If your insurance company will not help you, file a complaint/inquiry with each state's Dept of Insurance.


IMPORTANT NOTICE: The Answer(s) provided above are for general information only. The attorney providing the answer was not serving as the attorney for the person submitting the question or in any attorney-client relationship with such person. Laws may vary from state to state, and sometimes change. Tiny variations in the facts, or a fact not set forth in a question, often can change a legal outcome or an attorney's conclusion. Although AttorneyPages.com has verified the attorney was admitted to practice law in at least one jurisdiction, he or she may not be authorized to practice law in the jurisdiction referred to in the question, nor is he or she necessarily experienced in the area of the law involved. Unlike the information in the Answer(s) above, upon which you should NOT rely, for personal advice you can rely upon we suggest you retain an attorney to represent you.

Get Legal Help Today

Find the right lawyer for your legal issue.

 Secured with SHA-256 Encryption