AXA and Luma/Tune are popular. They have asymptomatic coverage, but their policies include the language “medically necessary treatment “ which pretty much means they can do what they want. 😅 So if you show no symptoms but are forced into the hospital, I’d say it’s a roll of the dice. You may be on the hook for the bill.
A big THANK YOU to everyone that offered advice! Got everything done. AND no one made fun of me as often happens in another group which shall remain nameless. 😝