Comment: you are correct. emergencies

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In reply to comment: I find that hard to believe (see in situ)

you are correct. emergencies

you are correct. emergencies would be covered. what would not be covered would be routine treatment. i.e. you get a cold and go to a family practitioner out of state, you would be responsible for the cost of the visit.

but tragic occurencies, such as emergency room visits, would and are covered by law.