Welll, that complicates things now, don't it? ;-) Ain't it wonderful how some little item like that can mess you up? Is that peculiar to your particular situation? Like, in Canada, if one travels from province to province, health care (gov't provided) is a case of ...you pay for it, and submit the bills to your gov't agency, then you get reimbursed... as opposed to in your home province, it's all automatically covered.
Now, if you've got private insurance up here, then regardless of where you go, the private insurance covers it all up front, THEN they bill the gov't agency for the base essentials covered by the gov't plan. Clear as mud, right? Here's how it breaksdown... Like, one of the things that private plans provides up here is a room upgrade... w/o private insurance, person gets tossed in multi bed ward. With it, you get a 'semi-private'... you and 1 other patient in 2 bed room with a common bathroom... The private insurance pays for that, BUT collects from the government the value of a ward bed... Part of the expense of the 'Canadian' system is that private insurance companies get reimbursed for the 'essential' or 'elemental' portion of the health care provided. It's totally messed up in that regard. The other benefit of private insurance is that it covers things that we don't normally get coverage for from the gov't.. Eye exams, dentist appts or dental work, drugs, physio therapy, rehabilitation, chiro visits, those sorts of things. And, like I said, if you travel... then everything is covered by private insurance SO a person doesn't have to pay out for themselves & collect later.
I ASSumed that in the US, if one has insurance, that it covered the 50 states and any territories... I take it from your post that my ASSumption was wrong.
Go figure. Another loophole these private insurance companies squirm thru.