Keep in mind that many companies (including most BC/BS plans) have preferred provider networks. For most BC/BS plans, those networks are *only* inside the state where the plan is located. As the result, they pay a smaller percentage and often have stricter pre-auth procedures.
Note that not all BC/BS plans are like that The FEHBP non-HMO plans are generally national. My BC/BS works here just as well as in NC and WV.
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