Unexpectedly High Costs of Ambulance Services in the US
When faced with a medical emergency, time is of the essence, and the arrival of an ambulance can mean the difference between life and death. However, for many individuals in the United States, a quick trip to the emergency room via ambulance can result in shockingly high and unexpected costs.
The Impact of Out-of-Network Ambulance Trips
Research conducted by the PIRG Education Foundation reveals that approximately half of ambulance trips are out of network, leaving individuals with hefty bills that are not covered by insurance. The median out-of-pocket balance on these bills is $450, with some states reporting average balances exceeding $1,000. Dispatchers often send the closest available emergency medical transportation without considering insurance coverage.
Challenges Posed by Current Legislation
The federal No Surprise Act provides some protection against out-of-network healthcare bills, including air ambulances and certain emergency services. However, ground ambulances remain uncovered, leading to instances of balance billing where patients are responsible for the price difference between in-network and out-of-network rates. Despite the law’s intentions, loopholes exist, allowing exorbitant bills to burden families, such as a $97,599 charge for an 86-mile air ambulance flight.
While 18 states have laws against surprise ambulance billing, these protections only apply to individuals with state-regulated insurance plans. Extending these safeguards to individuals with private employer-sponsored insurance requires federal action. Many ambulance services operate out of network, and patients are at the mercy of medical staff when being transferred between hospitals, regardless of insurance coverage.
In cases of high ambulance bills, consumers can take proactive steps, such as obtaining an itemized bill, negotiating prices, ensuring insurance coverage, and appealing to insurance companies for additional payments. Engaging in open communication with ambulance providers and insurance companies can lead to potential discounts and favorable payment arrangements.
