[Retric]

You missed my edit I add safely, because in these states that's what's missing.

Yes, if you are actually having a heart attack or a bone is sticking out then sure they cover you. The problem is in situations where you don't know and need medical experts to chose if this is an actual emergency. And no this is not hyperbole, that's the exact situation people in these states are dealing with.

This is not call them up on the phone and they say you can go to the ER, this is you go to the ER they preform tests and then the insurance company uses those results to deny clams.