I have some TERRIBLE news. been trying to line up doctors in Florida. nobody there has heard of my health plan. called my provider and they said it's a Local Network HMO that doesn't cover me out of state except for emergency care. WTF. called the County Insurance rep and they said basically the same thing. called Personnel NYSDOT about a COBRA and I don't qualify for 1 - I retired in 2009, 2 - I have health insurance, it's just no good out of state, 3 - if I need health insurance I have to go through the Marketplace (OsamaCare). oh boy. it's NOT going to keep me from leaving as planned.