Dave, policies probably do vary from state to state, but it might be worth pressing them a little on the transportation parameters. I also have BCBS and was given a second card to use if I was hospitalized over 150 miles from home. That number is for Air Medical Services and is supposed to provide air transport to the hospital back home. I called them to see if there was a “catch” but was told my local hospital would be where I would end up. Your friends case is far more complicated and involves specialized care but I guess I’d just toss this out there in the hope that something was missed..
I’m sure sorry for Tim. Every rider’s nightmare. I plan to make a donation - “there, but for the grace of God.....”