Look up the cost of life flight. It’s often an entirely separate insurance (ask).
The majority of people don’t understand that there are levels to hospitals. Couple lives near a hospital in a beautiful though remote coastal location, thinks they have it figured out. Oh, but it’s a level 3 hospital. Not many surgeons, just one bone doctor.
One of them has a stroke. Now they need level 1-2, depending. Time is a critical factor, so, life flight. Ditto for a heart attack.
Last check it’s ~$50-60k.