Tough crowd here some times but you started a worthy discussion primarily to make sure you know what you got and do research.
I’ve learned some Medicare stuff here but as with all govt stuff so many scenarios and ins and outs to minimize your losses in the game of healthcare.
We too skipped over trip insurance by rolling the dice. No more.
Everyone absolutely needs repatriation medevac insurance to your home base hospital, not just some random Miami hospital.
I don’t know how the travel insurance companies make money as we have had many trip interruptions with baggage, hotels, clothing. Nothing big medical or medevac.
Most travelers must be honest chaps.
I just leaned there are to R’s in the word interruption thanks to TTOL spellcheck.