lbrjet wrote:
Used to be covered in an emergency. Starting in 01/17 BCBS ACA HMO plans only cover when you are in the emergency room. Get admiited to the hospital upstairs and your coverage ends. That is what happened in AZ anyways, CT was probably the same.
I've always been uneasy about what would happen in the case of an emergency while traveling. Obviously the emergency room would be covered, but I've never found anything even remotely definitive on what happens after that--like when the "emergency" ends. Worse, I assumed it was up to the insurance company to deem when the emergency ends, and they have a financial dog in that fight.
That's one reason I've always thought having
some of out-of-network coverage is important--so there's an insurance company to at least be involved in fighting it out with the providers, even if the insurance company isn't really on your side. But out-of-network coverage is becoming increasingly hard to get.
But like I said, I
think Connecticut might be one of the states that does have an ACA plan with a nationwide network. If so, it's apparently not the one the OP chose (understandable, since Blue Cross insurance tends to cost more than other providers), which is causing the current predicament.
RGar974417 wrote:
But as to the OP's delema,I remember buying special medical coverage when traveling outside the US.I did a short search and found several sites that offer insurance both inside and outside the country. I didn't look at costs but plans are out there like this one:https://www.gninsurance.com/travel-insurance-inside-the-usa/
In the one you linked to, it appears that the pre-existing condition exclusion means only that they won't pay for treatment of that condition, and not that you are prohibited from getting the policy at all. That's encouraging, and could be a good option.
