Important to check actual coverage network for a plan. A woman in Wisconsin was taken by while unconscious by ambulance to a hospital that was 3 blocks closer to her house by the drivers and as a result found herself with no coverage and a bill of more than $50,000. If you go to the emergency room it will most likely not be covered by your insurance as you have not been officially "admitted". One more loophole used by our for profit health care system in the USA. My own 4 hour visit several years ago resulted in a bill for $3200 that Blue Cross did not cover.
Medical bills were linked to two-thirds of bankruptcies in the 2007, despite the fact that most of those going bankrupt had medical insurance.