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Is ambulance transportation covered under insurance?

Funding for ambulance service varies in different parts of the country. Depending on the community, it may be a mix of tax dollars, donations and private pay. Generally, municipal or county Emergency Medical Services (EMS) or fire departments will handle emergency 911 transports and private companies handle non-emergency transports. While insurers may contract with EMS, private companies may charge much more and leave the patient with an unexpected bill to pay.

Take some time to check into any local volunteer ambulance services that might be able to provide transportation services in a non-emergent situation. Often times, if you are a member of the company (by making an annual gift), your transport to the local hospital is often covered. 

And while you're at it, check into your health insurance coverage for ambulance transportation and find out if there are co-pays or deductibles when used. 

You certainly don't want any surprises, like a big bill from the ambulance company, when you come home from a hospital. Do your homework ahead of time to understand your benefits.

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Important: This content reflects information from various individuals and organizations and may offer alternative or opposing points of view. It should not be used for medical advice, diagnosis or treatment. As always, you should consult with your healthcare provider about your specific health needs.