Working remotely for an employer with an EPO plan…

Hi, so right now, I’m working/ living in New Mexico and I’ve been under my stepmom’s insurance in New York. I turn 26 next month, so I was considering switching to an employer plan.

I work remotely and my employer is in New York, as well. They sent me the details of their plan’s coverage, and it’s:

Empire BlueCross BlueShield Coverage for: Individual + Family | Plan Type: EPO Empire Gold Blue Access GEPO 1000/0%/6000

I see that it’s an EPO plan (but seemingly does have a national network of providers?) and at the bottom of a coverage PDF i found it states, ““Gated EPO plans using Blue Access and Connection network are not intended for those residing outside of the New York service area, as PCP election needs to be in the Empire service area.”

Do employers typically offer one policy? Should I continue with this plan anyway for Rx coverage/ hopefully find providers here in their extended network/ look on the Healthcare Marketplace (even though all of the options seem terrible)? Thanks for your help!

submitted by /u/tall-americano
[link] [comments]Hi, so right now, I’m working/ living in New Mexico and I’ve been under my stepmom’s insurance in New York. I turn 26 next month, so I was considering switching to an employer plan. I work remotely and my employer is in New York, as well. They sent me the details of their plan’s coverage, and it’s: Empire BlueCross BlueShield Coverage for: Individual + Family | Plan Type: EPO Empire Gold Blue Access GEPO 1000/0%/6000 I see that it’s an EPO plan (but seemingly does have a national network of providers?) and at the bottom of a coverage PDF i found it states, ““Gated EPO plans using Blue Access and Connection network are not intended for those residing outside of the New York service area, as PCP election needs to be in the Empire service area.” Do employers typically offer one policy? Should I continue with this plan anyway for Rx coverage/ hopefully find providers here in their extended network/ look on the Healthcare Marketplace (even though all of the options seem terrible)? Thanks for your help! submitted by /u/tall-americano [link] [comments]Read Morer/HealthInsurance

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