Does out-of-network health insurance coverage include out-of-state?

[fuzzybabybunny]

I've been trying to figure this out.

Say your maximum yearly out of pocket is $12,000 for out-of-network providers. Does "out-of-network" mean any provider nationwide, or only "out-of-network, but in-state?" If I elect to get treatment at an out of state hospital, does my insurance maximum yearly OOP for out-of-network providers still apply?

 

[preCRT]

Call your insurer and ask.

 

[blackangst1]

Yes