I have the same with a plan from United Health Care and pay nothing in additional to my regular Part B Premium. And I had a major operation with a two week stay in a hospital and payed nothing. Also no Referrals necessary and no co pays. They have a similar Emergency plan but I never used it as I have coverage in the DR that works. Your plan seems the same, but maybe you are paying extra for this Worldwide Emergency that might be better.
Sounds like you have an advantage plan. Ours is supplemental. United Healthcare Plan F. It’s not offered anymore, we’re grandfathered in. The worldwide came automatically, we don’t pay extra.