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Ask The Insurance Decoder

Lynne Lucio

Lynne Lucio

By Lynne Lucio

Q.  I have two children who are will be attending college out-of-state next fall.  Can they still be covered under my health plan until they age out, even though they are living out-of-state?—Tara Brad J., San Francisco, CA

A.  First refer to your summary plan description (SPD) or plan document for specific information and limitations.  As a rule, health plans provide some coverage for dependents residing out-of-state, whether the child is attending school or living out-of-state with a custodial parent.  In some cases, HMO plans are geographical in nature and those and plans with similar restrictions may only cover treatment to stabilize the patient for the initial emergency but require further treatment be performed by an in-network provider, generally in the state the employee lives in.  For further information, contact your insurance carrier to get more detailed information.

ASK The Insurance Decoder © Copyright 2012, Lynne Lucio.  All rights reserved.  
Lynne Lucio, the author of The Insurance Decoder:  How to Maximize Your Health Insurance Benefits, Minimize Out-Of-Pocket Expenses and Stay One step Ahead of Your Insurance Company, has been a health insurance professional for over 20 years.  As an insurance insider, Lynne learned how to decipher the medical claims labyrinth and developed the specific and practical knowledge of the claims process.  Throughout her career, Lynne has shared her expertise with thousands of insured consumers, helping them resolve complicated health claims while showing them how to take full advantage of their health insurance benefits.  The depth and breadth of Lynne’s knowledge of the topic encompasses not only the claims process but also the laws that influence and regulate health coverage, including ERISA, COBRA, FMLA, USERRA, HIPAA and others.  Lynne provides consulting services to covered individuals and writes about health insurance issues on (  For more information, or to submit your own health insurance related questions, contact Lynne at

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