If your insurance provider does business in California but is based in another state, your insurance plan may have to comply with SB 138.

For example, is a college student in California covered if she is on her parent's insurance and both her parent and the insurance plan are based in Ohio?The best way to find out if your plan will comply with your CCR is to contact your health plan's customer service department. Even if it is not required to comply with California law, your insurance company still may choose to accept your CCR. In fact, because of another law (HIPAA), insurance companies throughout the United States must accept CCRs in certain cases. If you have any problems submitting a CCR or getting your CCR accepted and honored by your health plan, please contact us for support.