Why Can’t I Retiree Out of State with Employer Coverage?

Hi. My wife and I currently live in Southern California. We have Kaiser Permanente health insurance free for life because my wife has been a nurse there for 45 years. I have been a nurse there for 16 years. We would like to retire in New Mexico.

However, Kaiser Permanente tells us there is no Kaiser coverage in NM, and that we would lose our coverage after 90 days. Is this true? Is there a way to transfer our coverage to another health insurance where it would continue to be free?

We don’t feel it’s fair that Kaiser should be able to tell us where to retire after all these years working for them!