If I sign up for a multi-state plan and then need to get care while I’m in a different state, can I count on being able to find in-network providers in another state?
Not necessarily. In 2017, multi-state plans are offered through the Blue Cross Blue Shield Association in 21 states and by a Consumer Operated and Oriented Plan (CO-OP) in New Mexico. In most states where they are available in 2017, multi-state plans offer regional or national provider networks and will reimburse as “in-network” care rendered by providers in other states. In seven states (Alabama, Arkansas, California, Illinois, Michigan, Montana, and Oklahoma) the multi-state plans do not offer a national network. This information should be provided in the description of the multi-state plan’s features on your state’s health insurance Marketplace.