It's pretty common for providers not to cover anything except ER visits, out of your home state. And that only because (I think) they're required to. And I bet

It's pretty common for providers not to cover anything except ER visits, out of your home state. And that only because (I think) they're required to. And I bet they interpret that as narrowly as possible ("heart attack, went to the ER, but then moved to a bed in a normal room? We'll cover the ER care but not the room or any care that took place there, have fun with bankruptcy"). An urgent care might not count.