Do health insurance companies in the US cover people all over the US?

Question

Or is that that there are certain companies for certain cities/state?

How much does an adult have to pay averagely for health insurance?

Answer 1

Some plans like Aetna and United Healthcare are nationwide. Blue Cross Blue Shield has variations in all 50 states. Some plans are regional or state-specific. I don't know of any that go as specific as city.

As far as an average price - impossible to answer accurately. There's too many factors in determining price - such as type of coverage, location, and business or individual, and if the employer picks up part of or all of the tab. I'm going to guess, based on my experience, that a single adult pays about $500-$1000 a month. My plan is $450 a month for just me. My parents pay about $700 a month for just the two of them. I know someone who pays $3500 a month for their family of six.

Answer 2

No, they don't. Insurance is regulated by each state. MOST policies have an "emergency care" clause where if you have a life threatening emergency, they'll cover you (on a lower basis) while you're TEMPORARILY out of state, on vacation, for example.

But you need to buy a policy for the state you live in.

The average healthy 30 year old adult costs $250 a month to insure, for a comprehensive plan with low or no deductible. MOST people have their insurance through their employers, and then the employers pick up a huge chunk of the tab.

Answer 3

I am presuming you are talking about individual policies and not company or group policies.

There are a few insurance companies that cover folks all over the US, but most are regional. For instance, although Blue Cross/Blue Shield is national, you are a member only of the regional BC/BS. So, if I had Minnesota BC/BS and moved to Texas, I would have to be approved for BC/BS in Texas. Under my contract, 100% of hospital costs are covered in MN, but only 80% out of network (this is a real bite for guys paying health insurance for non-custodial children when they are out of state).

I no longer have coverage (I'm on Medicare), but the last quote was $160/mo for a woman non-smoker without chemical dependency coverage. Family insurance was an additional $249/mo, but that is likely higher now (these are from 4 years ago). The coasts have markedly higher costs for health insurance, although I don't know why.

Answer 4

Depends on age and most companies require you to complete a medical information questionnaire giving your past medical history. If you have a significan medical history, those conditions are usually not covered for the first few years of the policy. Different policies offer different coverage--some include medications with and without a co-pay, Durable Medical Equipment, etc.

If you do not work for a large employer group or government--city, state, federal, premiums are increasing rapidly for employer groups and their employees.

If you are self-employed premiums are very high.

My husband is self-employed and when my COBRA ran out,
we went to Direct Pay with Blue Cross-Blue Shield and now pay $970.00 per month for the two of us without medication, DME coverage.

If your income level is at poverty level there is Medicaid--thru the government. And, if you have young children and your income is low there is a federal program that provides health benefits for the little ones.

After that, at age 65, there is Medicare--Federal Program for seniors where small deductions are taken from your monthly Social Security check and this pays for 80% of usual and customary fees--you are resposible for the balance unless you have a supplemental insurance plan.

A healty young adult can probably get a health insurance policy which would cover major expenses for about $200.00-$300.00 per month.

Health Care in America is excellent but only if you can afford it. Something needs to be done ASAP.

Coverage does vary from State to State and small companies to offer coverage in certain geographical areas.

Answer 5

On individual/family plans you must purchase the health insurance in the state that you reside, and prices vary from state to state. Most health insurance policies cover you anywhere on the face of the earth for emergency services, routine medical care must be obtained in the state that you reside to receive the lowest out-of-pocket expense.
There is talk in Washington, again, regarding the allowance of insurors to sell policies to anyone in any state, though this is not possible today.

Answer 6

Sure, if you can pay for it.
How much depends on what you want...Walmart doesn't give much at all, many companies don't pay towards the cost for their employees.
The company I worked in picked up the entire tab, with all increases, for years. Then about 7 years ago, things started going south on us...we got less coverage, but still didn't have to pay.
That continued downward until now we pay a cheap 10 dols. a week for the coverage we wound up with. That's STILL a great buy.