Does Health Insurance Transfer over from State to State with Blue Cross/Blue Shield?
I am a current member of Blue Cross/Blue Shield of Missouri and am seeking to move to California. My wife's maternity insurance kicks in in May. I was wondering if we will have to wait another year with BCBS of California to get maternity insurance there?
Also, my father-in-law has been with BCBS for about 35 years, he has some pre-existing conditions, if he were to re-locate to California, will he be considered just a 'transfer' or will he have to re-apply and get a greater rate as a new customer? He currently pays $2000 a month, by himself. If he re-applies I'm sure they will charge him nothing less than $4,000.
Please Help
No, policies don't transfer from one state to the other. That's because state law guides what gets paid, and what doesn't get paid - and a plan available in MO is likely not even available in CA.
The good news is, with insurance portability, if you have no lapse in coverage, she will probably not have to wait out the maternity rider if you move.
The bad news is, your FIL may have a VERY hard time getting someone to take him, on a voluntary basis, if you move. He would have to reapply, and depending on his age and conditions, it's very likely they'll flat out deny him. Hopefully, he could wait until he's medicare eligible, which would solve THAT problem.
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