August 21st, 2020
Due to Covid, many remote employees are choosing to relocate their home address to a different geographic area. In some instances, this will impact their access to healthcare. Here's a summary of important considerations:
1. PPO members can usually find an in-network provider at their new geographic location.
2. HMO members often have emergency-only coverage outside of their local HMO network. If the change is more than a few weeks, members should consider switching to a local HMO medical group at their new locale(if possible) or switching to a PPO plan.
3. Most insurance carriers have expanded Telehealth options, providing access to care for HMO members outside of their geographic area.
4. Employees who "permanently" change their home address to another state(even if they are not planning on being there forever) will likely have income and payroll tax implications. It's a great idea to consult your payroll vendor and CPA if this comes up at your business.
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