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It does make a difference where you buy your health insurance

A health insurance policy is a health insurance policy – period. Right? They’re all the same and it does not matter where you get one. Yes and no. It actually does matter where you buy your health insurance: locally or globally. The difference being that local health insurance would be within the nation/state and globally would be the kind of insurance you need if you travel.

There are, though, some differences in policies from state to state. The backbone of the same policies remain the same, with stated differences. You need to pay attention to what is in your policy and where you buy it before assuming you are covered for everything you want.

Many people don’t understand that if they buy an insurance policy from a nationwide insurer, one of the mega-giants that can afford to sell less expensive polices because of the number they sell, that company has no idea what the local conditions are in your area. If you live in rural New Mexico and the insurer is in Montana, you might as well be on a different planet if you have to file a claim. Try to stay local. The agents can fill you in with all the details that you need to know.