![]() Few short term or catastrophic plans are able to offer these level of benefits at an affordable price.It’s true that you can’t plan for a medical emergency, but that doesn’t mean you have to be surprised when it’s time to pay your hospital bill. The bottom line: Because National General offers longer term options, a national network PPO, competitive lifetime limits, a $50 urgent care copay AND offers a guaranteed issue option, National General is a stand-out insurance provider in a crowded field of competitors. What most people don't know is that they also offer some of the best "short term" or "catastrophic" health insurance on the market. National General is an insurance company probably better known for their auto insurance. They also offer optional co-pay plans and additional accident/critical illness plans for more comprehensive-level coverage. United Healthcare offers a year-long plan with a national PPO network (Some states offer plans for up to 36 months.) While less-expensive than most individual plans on the market, they don't cover preventative care or pre-existing conditions. National PPO Network Plans - Catastrophic United HealthOne UnitedHealthOne Health ProtectorGuard - Health Indemnity PlanĢ.UnitedHealthOne ProGap - Covers Accident & Critical Illness & Hospital Stays.National General Trio Med - Covers Accident & Critical Illness & Hospital Stays.This is probably the best for frequent travelers, or those most concerned with out-of-network emergency cost) OR you can get hospital indemnity style plans where they pay you cash to cover covered services, including doctor's visits, second opinions, and hospital stays, etc. You can get additional critical illness/accident coverage that will pay you money if god forbid you encounter an accident or bad diagnosis, regardless of location or network. You really have two options when it comes to supplemental coverage that will cover you nationally. Supplemental coverage is meant to be an add-on to your current coverage. Those who travel a lot for work or live in multiple states should consider the following: The Multistate program was discontinued in 2017. To our knowledge, no state has any (fully-insured, on or off exchange) national network PPO available for 2020. Blue Shield of California was one of the last individual/family insurance carriers to offer a National PPO network through the BlueCard program, and this has been discontinued for 2019. In general, health insurance providers/networks vary by state. See Also: Can I Buy Health Insurance Across State Lines? National Network PPOs We would recommend supplemental accident coverage if you travel a lot for work. It’s always better to understand exactly what your insurance coverage will pay for before traveling than to run the risk of a denied claim after an emergency occurs. Unfortunately, there is no concrete definition of “emergency,” and some insurance companies will deny claims that they judge as being not true emergencies. This means that if you’re involved in a car accident and taken by ambulance to a hospital outside of your network, your insurance company should still be responsible for paying this expense. In most cases, insurance companies are required to pay for reasonable emergency medical expenses regardless of the hospital you go to. The Long Answer: Your out-of-state coverage is going to really only cover emergencies, and not much else-there's also loopholes to what's considered an Emergency. See Also: Is there an Alternative to Obamacare? Know that a permanent move (that can be proved with official documents) does qualify you for a special enrollment period to switch to a local plan that will cover you. However, for 2020, Ambetter is the only company we aware of that offers out-of-state routine care as both HMOs and PPOs have moved to local, more constricted networks to keep costs down. Contact your current insurance provider for more information about their specific plan network. Whenever you visit a provider outside of your network, you will pay a larger share of the cost. ![]() Every health plan has a “network” of healthcare providers. As long an emergency is considered life-threatening, it will be covered as in-network, regardless if the hospital is in your plan’s network. T he Short Answer: All plans cover emergency services at any hospital in the United States, regardless of what state plan was purchased from, with the exception of Hawaii.
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