Jeremy - This is longer than I want it to be but I lack the ability to make it briefer - apologies.
You have 'stirred my thinking' in 2 areas, both of probably equal importance.
First a general consideration .... I am ACA/Obamacare 'certified' - but I recognize that you did not say if you had ACA/Obamacare coverage .... could be group coverage? .... hence, we as readers have no real knowledge of the structure of your specific insurance coverage .... Anthem BCross/BShield has many different plans and they can vary from state to state.
Back to the more specific thoughts you have generated, even with the above in mind:
First, Pat's point is very significant. Be aware of where you are intending to travel because if you have medical service performed from providers that are out of network the cost is typically much higher to you.
Second, "What" your cost is depends on the aforementioned insurance policy 'structure.' By this I mean the level of deductible, the cost of co-pay
(which typically varies with regard to whether you are see a 'generalist' or a 'specialist' and, as previously mentioned, whether in or out of network in all the aforementioned),
and the total/maximum out of pocket cost which, depending on the policy, may or may not include both deductible and co-pays.
Something to consider if you view your deductibles &/or co-pays &/or max insured payout ("CATASTROPHIC" per your posting) amounts as being too risky for your comfort level is get coverage by the "supplementary policies" that pay you cash in the event of injury regardless of what your Anthem BCross/BShield pays.
You will find policies such as this available on-line or from agents of Humana or United Healthcare and other big names.
Two related big questions for all of us cyclists is:
(1) Does my insurance policy cover at all OR adequately Air Evacuation, and
(2) Do I fell at risk?
This is relevant because many times we are cycling in remote areas.
Someone (e.g., Police, 1st Responder/EMT) may call in Air Evac whether one needs it or not.
The injured person may not be conscious enough to have any 'say' in the matter.
The injured cyclist then owes if the insurance company does not cover it.
If you do a net search on the cost of Air Evac.ing ... expect to see that it is at least $5000 and can be 3 times or more subject to is there any competition in the area and/or the total distance to/from the chopper & crews must travel/over night stay, etc.