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Covered California and Obamacare related questions from consumers, employers and agents are answered by Phil Daigle with the best information available at the time. Archived entries may no longer be accurate as the Covered California and Obamacare knowledge-base is evolving quickly. TO REQUEST A PERSONAL RESPONSE INCLUDE EMAIL ADDRESS.

Multi-State In-Network Coverage

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Question: An adult needs to buy insurance in Georgia, but plans to be back in California in a few months. Can we get a policy that covers both states?

Answer: Most national health insurance carriers have multi-state networks, so as long as you select a PPO plan you’ll be OK. You have to have a residence in a given state to purchase health insurance, so you will probably be buying your coverage in Georgia. If you maintain a residence in California, I recommend that you purchase coverage in CA. It’s cheaper and you won’t have to change when you move back.

Network coverage in another state works like this: You are insured by BCBS GA but need medical services in CA. As long as you choose a network provider of either Blue Cross or Blue Shield (separate companies in CA), you will get the in-network benefit your policy provides just as if you were in your home state of GA. This multi-state network benefit is exclusive to PPO plans offered by national carriers.

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