With the exception of Hawaii, all plans cover emergency care at any hospital in the United States, regardless of which state plan was purchased from. Every health insurance plan has a "network" of healthcare providers... It has already been four days. I have no energy and feel tired most of the time. I still need to go to the doctor but am not as worried about it now. In addition to emergency room care, many health insurance plans cover care from other doctors or nurse practitioners within that network, as well as laboratory tests, x-rays, and prescriptions drugs. Some plans also include physical therapy, mental health services, and alternative medicine treatments such as acupuncture and chiropractic care. Health plans may exclude certain kinds of medical care. For example, some plans may not cover care from unapproved physicians (also called "out-of-network" doctors). Other plans may cover only a limited number of visits to a particular physician or center. The exclusion of these services means that you will have to pay for them out-of-pocket if you need them. A few plans may require you to pay part of the cost of some services before your coverage takes effect (called "deductibles"). You should know exactly what your health plan covers and doesn't cover. Only then can you make an informed decision about whether or not to seek needed care.