I live in Wisconsin and I have a United Healthcare medicap plan through AARP. We’ve received notice that it will be available next year, but deductibles and co-pays will be higher and there will be no out of network coverage. In fact, there will no longer be coverage at all in certain counties. It sounds like there are places in Wisconsin where I don’t dare get in an auto accident because I won’t have insurance there.
My sister works for an insurance company here in Wisconsin. It is a nightmare for them.
You will always get legitimate emergency coverage through your insurance company for any location in the United States. But by emergency they use a really strict definition which is basically life&death. As soon as you were stabilized they might transport you back to a covered facility. This might or might not cost you a lot of money.