Not in host state for plan and in my state no coverage

I can only answer this based on a similar experience I had more than a decade ago while still in practice.

From experience the policy written In NYS, had no coverage for foot orthotics.

The patient was adamant that they were covered and I have to admit that they were correct. The office indulged the patient, thinking, what do they know and called the carrier and we were told there was in fact coverage.

Because the coverage policy was written in NJ (a mandate state for coverage) it did not matter where the services were rendered.

Now admittedly this is information based on one experience more than a decade ago. It's posible that loophole has been closed. A great question for a health care attorney.

Is it where the coverage is written or which state it is performed in that determines what the coverage policy is?

Last point: Be careful what you wish for, because there may be times where the $ amount barely will cover the lab fee.