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.

Continue Learning about Health Insurance

Take Advantage of Your ACA Preventive Care Benefits
Take Advantage of Your ACA Preventive Care Benefits
We’ve quoted Ben Franklin before, but his words are still as true as ever: “An ounce of prevention is worth a pound of cure.” And taking advantage of ...
Read More
What should an insurance checklist for retirement or death include?
Philip Lisagor, MDPhilip Lisagor, MD
An insurance checklist for retirement or death could include a review of your: Healthcare insura...
More Answers
How do I get reimbursed under my health reimbursement account (HRA)?
Receiving funds from your health reimbursement account (HRA) may be done in one of a few different w...
More Answers
What Do You Think About Fee for Service Healthcare?
What Do You Think About Fee for Service Healthcare?

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.