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How do you get health insurance? Does your company have an office in your state? If not, do they give you Californi-based coverage, with most providers being out-of-network?


(I am in the same position, working in not-CA for an employer HQ'd in CA.)

> How do you get health insurance?

Through my employer, like many employees.

> Does your company have an office in your state?

Yes, though I've not seen the inside of it with my eyes since March.

> If not, do they give you Californi-based coverage, with most providers being out-of-network?

While your question was conditional on the office, no, the CA-specific health plans are only available for CA employees. Non-CA employees have a different set of options. (Sadly: I was rather fond of Kaiser.)


Thanks for the responses.

I was asking because my son works for a tech company and was told that he could only move to states where they had an office, because that's where the company already has health coverage.

Since insurance doesn't cross state lines, if had wanted to relocate to South Dakota they would have to get him coverage with Blue Cross of South Dakota (or whichever carrier) which would require cost and administrative effort. Maybe they just didn't want to go through the trouble for one employee.


My employer provides PPO insurance for out of CA employees. HMO is CA only.




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