Question

What complications regarding health insurance might arise if a patient is at an out-of-state school?

Answer 1

out-of-state coverage is going to really only cover emergencies, and not much else--there's also loopholes to what's considered an Emergency. In most cases, insurance companies are required to pay for reasonable emergency medical expenses regardless of the hospital you go to. This means that if you’re involved in a car accident and taken by ambulance to a hospital outside of your network, your insurance company should still be responsible for paying this expense.

Unfortunately, there is no concrete definition of “emergency,” and some insurance companies will deny claims that they judge as being not true emergencies. It’s always better to understand exactly what your insurance coverage will pay for before traveling than to run the risk of a denied claim after an emergency occurs.