Does Blue Cross Blue Shield cover across state lines?
Asked by: Silas Dooley | Last update: August 8, 2025Score: 4.6/5 (14 votes)
Can I use my Blue Cross in another state?
You and your enrolled dependents may access PPO benefits when you're traveling or temporarily living outside your home state with the BlueCard program.
Does Horizon Blue Cross Blue Shield cover out of state?
If your Horizon Blue Cross Blue Shield of New Jersey plan has the BlueCard® Program, you're covered when you need care across the United States.
Is Blue Cross Blue Shield good in all states?
Every Blue Cross Blue Shield plan participates in the BlueCard program that allows you to use your plan benefits to access care anywhere inside the United States.
Does health insurance carry over state lines?
Insurance plans, including Medi-Cal and Covered California, have 'border provisions' where elective, hospital-based procedures (medically necessary procedures not treated in a medical office) can be covered across state lines if a border provision is included in the contract.
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What states does Blue Cross Blue Shield cover?
BCBS understands and answers the needs of local communities, while providing nationwide health care coverage for 115 million members in all 50 states, Washington, D.C., and Puerto Rico.
Does my insurance cover me in another state?
Your car insurance policy generally will cover you when you drive your car out of state. If you are on vacation, for example, or are passing through another state on a road trip, you won't need to get a separate car insurance policy.
Is Blue Cross Blue Shield across the US?
With 33 independent, community-based and locally operated Blue Cross and Blue Shield (BCBS) health insurance companies, we offer personalized health care across the country.
What health insurance works in all states?
If you live in two different states or frequently travel within the country, you may want to sign up for a preferred provider organization (PPO) plan. A PPO plan gives you more nationwide options for providers and health care services. That means you're able to use your health insurance no matter where you are.
Why is Blue Shield so expensive?
That said, the brief statement released by Blue Shield of California explains the reasons for the increases: higher provider prices, increased utilization, and a decline in enrollment in a bad economy resulting in spiraling premiums due to adverse selection.
What happens if you go to a hospital in another state?
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. In most cases, insurance companies are required to pay for reasonable emergency medical expenses regardless of the hospital you go to.
Can I use BCBS of Texas out of state?
If you are traveling outside of Texas, there are even more BCBS Network providers from which to choose. In fact, more than 85 percent of all doctors and hospitals throughout the United States contract with BCBS.
What does a blue card mean in insurance?
® BlueCard is a national program offered through the Blue Cross and Blue Shield Association, an association of independent Blue Cross® and Blue Shield® plans, that enables members of one Blue Plan to obtain health care service benefits while traveling or living in another Blue Plan's service area.
How to bill out of state BCBS?
- Verify eligibility and benefits via a phone call.
- Verify the local claims filing address.
- File claims to your local plan.
Do I need to change my insurance if I move out of state?
Moving to another state? If you're moving between states, keep in mind that insurance coverage varies across states. For example, in California, due to the high risk of earthquakes, you may want to take special precautions to make sure your home is safe and secure in case an earthquake occurs.
Can I use my health insurance out of state?
Some plan types, like PPO or OAP plans, allow for full access to any and all participating providers in that carrier's network, regardless of which state you reside in. Other plan types, like HMO or POS plans, will cover emergency services anywhere in the country but may not cover routine care in another state.
Do doctors prefer HMO or PPO?
HMO plans might involve more bureaucracy and can limit doctors' ability to practice medicine as they see fit due to stricter guidelines on treatment protocols. So just as with patients, providers who prefer a greater degree of flexibility tend to prefer PPO plans.
Does insurance cover all 50 states?
No matter where you live, your standard car insurance policy will typically cover you in all 50 states and Canada. Your policy won't cover international travel outside of Canada.
Does Blue Cross Blue Shield cover every state?
Blue Cross Blue Shield insurers offer some form of health insurance coverage in every U.S. state.
What is the best healthcare insurance?
Investopedia's analysis ranks Kaiser Permanente as the best health insurance company for 2025 because of its blend of affordability and low customer complaints. UnitedHealthcare and Aetna also earned top marks. We evaluated nine insurers using dozens of criteria, such as customer satisfaction, plan types, and costs.
What happened to Blue Cross Blue Shield?
Court issues preliminary approval of $2.8 billion Blue Cross Blue Shield provider settlement. A $2.8 billion settlement from Blue Cross Blue Shield to health care providers resolving a 12-year antitrust lawsuit received preliminary approval yesterday from the U.S. District Court for the Northern District of Alabama.
Does it matter what state you have insurance in?
Registering a vehicle in one state while holding an insurance policy in another is not permitted for most drivers. This restriction is due to variations in traffic laws and minimum insurance coverage requirements. Attempting to insure a vehicle in a state where you don't live might be insurance fraud.
Can you have surgery in another state?
You can go to another state to have a tooth pulled, cosmetic surgery and an abortion, as long as it's legal in that state. Your are to obey the laws of the state you are in. If you live in Texas but you went to Oklahoma for whatever, you have to obey Oklahoma's laws.
What is out of state insurance?
This coverage specifies which persons are entitled to benefits out of state. Example: There is an accident in a Tort state, such as California and Vermont, you No-Fault coverage would be accepted for those drivers specified by your policy and by the state you are from.