During a Disaster or Emergency

In crises like tornadoes, earthquakes, floods, and fires, if the Governor of your state, the U.S. Secretary of Health and Human Services, or the President of the United States declares a state of disaster or emergency in your geographic area, your care is covered.

If a state of disaster or emergency has been declared in your geographic area, we will update our website to provide you with information about changes in your coverage that benefit you, effective immediately, without the 30-day notification, such as:

  • Letting you get care from out-of-network providers at in-network cost-sharing
  • Letting you go to out-of-network providers without first getting referrals from your primary care provider (PCP)