It is very difficult for us. My husband and I live in Florida but his company is based out of Cali. So we have BCBS Cali. Yet the benefits are different for out of state. Nobody ever understands or knows what will and will not be covered. They are always baffled when I contact them.
So it is always a guessing game or incorrect info. So I am really worried about BCBS Cali but us in another state then treatment in even another state...lol