So if my HMO health insurance claims they cover emergency room visits that are out of state, does that mean they will literally cover costs for any and all related medical expenses as long as they’re related to that single ER visit? How does that work?

My insurance is anthem blue cross blue shield and here is what they say for emergency room benefits that are out of network:

Copayment $600 Per VisitCoinsurance 40%

So if I am out of state and break my leg, go to the ER, and they tell me I need a a surgical procedure and 3 days of hospitalization does that mean my insurance will pay for 60% of all of that? Or would they just pay 60% for just the initial emergency room visit that stabilized me and then I would be financially responsible for the surgery and 3 day hospital stay costs.

I'm going to call my insurance tomorrow but in the past I swear they literally just repeat what's on my policy documents and it's really hard to get a definitive answer that seems well-informed so figured I'd ask here as well. I plan on roadtripping across the country for the next couple of years and I'm just trying to figure out what I should do health insurance-wise.

Any help would be appreciated.

submitted by /u/controller_batteries
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