So my wife’s company recent got acquired and they are being rolled into a new company medical plan. The good news is that this plan is exponentially better, and cheaper, than her current one.
My only concern is that it is being provided by an out of state BCBS subsidiary. This may be, and I hope, perfectly fine. But I didn’t think it was possible and am worried we might be in for some gotchas….
We live in Florida, and the local BCBS company here is Florida Blue. The new parent company is actually based out of Canada, but they have another child company in Alabama which gets its health insurance from BCBS of Alabama. So when she got the new plan paperwork, everything said BCBS of Alabama, and not Florida Blue. I figured maybe this was just a printing error or they forgot to change something, but nope, at their company meeting they were told that all the new policies were going to be provided by BCBS of Alabama and not Florida Blue, but Florida Blue would still honor them and everything should be treated identically as if we had Florida Blue.
So my question is….is this true? I thought one of the big issues with US healthcare was the inability for, or at least complication with, insurance companies to cross state lines. But it looks like they are doing that here. I’ve never seen this before and assume it is all legal/kosher/etc. and just simply easier for them to add new employees to an existing policy, but I just want to be 100% certain that we won’t run into issues where doctors/hospitals/etc. say “sorry, we only take Florida Blue” or everything is going to be treated as out-of-network. I don’t think that the company would lie about it, but figured it would be better to ask here and see if there are any red flags we should be aware of.
I know that my company, solely based out of Florida with Florida Blue, recently allowed someone to move to another state (NC) to work remotely, and they were not able to keep their plan and had to buy something direct.
Am I worried over nothing, or is there something we should be aware of? Has this happened to anyone else before?
Thanks!
submitted by /u/enki941
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So my wife’s company recent got acquired and they are being rolled into a new company medical plan. The good news is that this plan is exponentially better, and cheaper, than her current one. My only concern is that it is being provided by an out of state BCBS subsidiary. This may be, and I hope, perfectly fine. But I didn’t think it was possible and am worried we might be in for some gotchas…. We live in Florida, and the local BCBS company here is Florida Blue. The new parent company is actually based out of Canada, but they have another child company in Alabama which gets its health insurance from BCBS of Alabama. So when she got the new plan paperwork, everything said BCBS of Alabama, and not Florida Blue. I figured maybe this was just a printing error or they forgot to change something, but nope, at their company meeting they were told that all the new policies were going to be provided by BCBS of Alabama and not Florida Blue, but Florida Blue would still honor them and everything should be treated identically as if we had Florida Blue. So my question is….is this true? I thought one of the big issues with US healthcare was the inability for, or at least complication with, insurance companies to cross state lines. But it looks like they are doing that here. I’ve never seen this before and assume it is all legal/kosher/etc. and just simply easier for them to add new employees to an existing policy, but I just want to be 100% certain that we won’t run into issues where doctors/hospitals/etc. say “sorry, we only take Florida Blue” or everything is going to be treated as out-of-network. I don’t think that the company would lie about it, but figured it would be better to ask here and see if there are any red flags we should be aware of. I know that my company, solely based out of Florida with Florida Blue, recently allowed someone to move to another state (NC) to work remotely, and they were not able to keep their plan and had to buy something direct. Am I worried over nothing, or is there something we should be aware of? Has this happened to anyone else before? Thanks!
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