I'm going to offer my thoughts about this. Your policy probably will cover "emergencies" in any state and that will include any surgical procedures that are required for that emergency and possible hospital stay. It will not, however, cover any elective surgical procedures or non-emergency doctor visits - therefore, no doctor visits for routine matters or prescription refills, etc.
I could be completely wrong on this, but we had a problem with ours a couple of years ago when we were out of state and one of my daughters developed a UTI. They told me we had to bring her back to Virginia to see a doctor - they looked up the closest one and it was a 12.5 hour drive. We declined and I asked to speak to her supervisor. We got it cleared up pretty quickly.
