This isn't going to be much help, but when we were researching this, I learned that the plans and coverages all vary by State. We were in both Florida and North Carolina at the time, and it made a big difference! Plans not only had different coverages, but the costs and deductibles were different - even from the same insurance company!
There is no consistency, and some of it was terribly unfair. Unless you get some responses from folks in your home state, they won't really provide much help.