The med-flight was considered "out-of-network"

The insurance company won’t fully cover a hiker’s med-flight and he’s wondering why. The money quote:

But when Jane and I have spent upward of $25,000 on premiums over the last decade to protect us during such emergencies and we’re only reimbursed at 40 cents on the dollar, something is wrong.

Physician reimbursement also is becoming a fraction of the dollar – join the club.