A FB friend from high school just posted. They are on vacation in Hawaii, and the day after they arrived her H jumped off a 30ft cliff and got a huge pilon fracture of the tibia. Their insurance doesn't cover treatment in HI, so they have to pony up the cash to buy a first class ticket to fly him home, so he can have surgery locally.
I would think their insurance would cover it, even if it would be considered "out of network"? The thought of flying with that type of injury just sounds horrifically painful and dangerous!