I’m interviewing for a job in the next county over, but their health insurance plan only covers providers within that county. So would I be limited to doctors and clinics there, and anything near my home would be out-of-network? Pretty sure that’s how it works, but I’d appreciate any clarity on this. Thanks!
County-based insurance plans are uncommon but can happen, especially if one hospital system dominates the area. If that’s the case, you’re right; everything near you would be considered out-of-network. If the plan doesn’t cover out-of-network at all, I’d be cautious unless they offer some compensation to offset this or let you get coverage elsewhere.
If you’re working in-person there and don’t need coverage for dependents, it might be manageable. Having a provider near work can be convenient. How far are the nearest providers? If it’s just a few miles, you may be fine, but if it’s a long drive, that could be a hassle. In an emergency, any ER should cover you for immediate care.
If the plan only covers in-network care within that county, an HMO is likely to have strict boundaries. You’d generally need to get non-emergency care within that county or risk paying out of pocket.