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<p>Not all HMO’s will provide school-acceptable coverage; instead, they might only provide emergency care OOS.</p>
<p>ACA plans may NOT cover out of state costs well, the entire amount can be out of network and not count toward deductible and OOP amounts.</p>
<p>If an out of network emergency is covered, you may NOT be covered if you are admitted to the hospital, for example a broken leg, the ER is covered as if in network, but the surgery is not.</p>
<p>Ask questions, everything is changing and it is very state specific.</p>
<p>Not only state specific but plan specific. There is no “ACA plan.”</p>
<p>Ok, IWBB, I will write more clearly 
New plans rewritten in each state to meet ACA guidelines are working differently than the old plans. In some states the plans on & off the exchange are identical, in other states, the networks for exchange plans are ‘skinnier’ and the out of network issues are more concerning.</p>
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<p>So she missed the word ‘compliant’ (‘as in ACA-compliant plans’), we all knew what she meant. :)</p>
<p>btw: just because a plan is ACA-compliant, doesn’t necessarily mean that it will meet a University’s requirements for individual students (which can require lower deductibles and more first dollar coverage.)</p>
<p>Given the amount of confusion I have seen regarding what the exchange is among the people I know, I can honestly say that I was not being a stickler for a missing word, but genuinely thought some mom thought that each state had it’s own “ACA plan.” My apologies for over interpreting.</p>
<p>somemom knows a lot more than she is letting on. :D</p>
<p>Yeah, somemom works in an insurance office and has done the ACA education in multiple states, but sometimes simplifies the information too much! (I feel special talking about myself in the 3rd person)</p>
<p>IWBB’s correction is good, I would not want to inadvertently confuse someone else reading my terse post.</p>
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<p>In fact states do have latitude in defining essential benefits. California include acupuncture, for example.</p>