2. My insurance covers foreign medical care as "in network" - but I will have to pay foreign medical provider myself, and submit a claim in the US afterwards.
3. MEDEVAC. My insurance covers up to $3,000/year for "air ambulance". Knowing my mom's story in Austria, we may need more like $20,000 if things go sour (for the helicopter and a jet back to the US). May want to get a supplement.