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Now when insurance company ask a coverage agent those questions, she/he may become confused. This of course comes from selling confused policies that do two opposites at web site.

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Is the insurer you are looking for governed your rules belonging to the state where you reside? If not, you manage the probability of the company raising rates since hi-def need permission from a state insurance dept. to do so. So deal with a company governed on your state if you are able. Do not join an out of state association to obtain health insurance plan coverage.