Does Insurance Cover Ambulance? Here’s What You Should Know

Does insurance cover ambulance
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Does insurance cover ambulance? The answer is it depends. It depends on the type of insurance you have. And in this article, we’ll examine each type of insurance and determine which package will cover ambulance rides and bills. 

Which Insurance Policies Cover Ambulance Rides?

Insurance is typically basic. For example, if you want to have LASIK surgery, you must have vision insurance. You must have health insurance in order to see a chiropractor.

Ambulances are quite unique. A variety of insurance policies may be able to pay your ambulance expenses.

Does Vehicle Insurance Cover Ambulance Rides?

Your car insurance policy will cover ambulance rides if these three conditions are met:

  • You are calling an ambulance because you have been hurt in a vehicle accident. In other words, your ambulance travel is directly tied to the policy you have on your car.
  • When you joined your vehicle insurance plan, you acquired personal injury protection (PIP). PIP may not be included if you are registered in a car insurance plan that just provides the minimal minimum of coverage required by law.
  • The ambulance travel has been determined to be medically necessary. Your insurance contract will specify what is considered a medical necessity. Feeling neck or back pain, or sustaining a more serious injury, such as a fractured bone, will nearly always qualify.

When these three criteria are met, you will typically be covered for your ambulance travel, although with certain limitations:

  • You are most likely simply covered for transportation to the nearest hospital.
  • Only services relating to your car accident while in the hospital will be covered.
  • Certain insurance policies will only cover you if you utilize an ambulance service that is part of an approved network of medical professionals.

Does Health Insurance Cover Ambulance Transportation?

Health insurance, like vehicle insurance, frequently covers ambulance rides. Car insurance, on the other hand, is usually a preferable option because using health insurance for ambulance rides has specific limitations.

When it comes to health insurance, you normally have to meet your annual deductible before you can get ambulance service. A deductible is a set amount of money that you agree to pay when you sign up for a new health insurance plan. For example, if your deductible is $2,000, your ambulance ride costs $1,500, and you have not yet contributed to your yearly deductible, you may receive no coverage for your ambulance ride.

Even after you have met your deductible, you may be required to pay a copay or coinsurance. A copay is a one-time price for some healthcare services, such as an ambulance journey. For example, your copay for an ambulance ride could be $100 or $200. When you and the insurance company share the bill on a percentage basis, this is referred to as coinsurance. Your coinsurance rate, for example, could be 80% (covered by your insurance company) and 20%. (paid by you, out of pocket).

Although health insurance coverage for ambulance services is typically less comprehensive, it can be useful for those who do not obtain PIP on their car insurance plans but are involved in automobile accidents and require ambulance services. The general response to the question “Does health insurance cover ambulance rides?” is: it depends.

Does Public Health Insurance Cover Ambulance Service?

Public health insurance coverage is one that is obtained through or with the assistance of a state or federal government program. Medicaid and Medicare are two prominent public health insurance systems.


Medicare is a federally regulated health insurance program that provides affordable healthcare plans to anyone 65 and older.

It is split into four sections: A, B, C, and D. If you have Medicare Part B, which covers a wide range of outpatient healthcare services, you are frequently eligible for ambulance services.

Medicare Part B is similar to private health insurance in that it requires you to manage things like deductibles, copays, and so on. As a result, simply having Medicare Part B may not necessarily entitle you to ambulance services.


Medicaid is another popular public health insurance option that is available to anyone who cannot afford private health insurance.

It covers ambulance services if the ambulance firm is fully licensed by the state in which it operates.

Aside from emergencies, ambulance services are only reimbursed by Medicaid if your doctor writes a note saying that the ambulance is medically required.

When Does Insurance Not Cover Ambulance Rides?

Even if you have an appropriate insurance policy, you may not be covered for ambulance travel under certain circumstances.

  • If it was determined that your ride was not medically required.
  • If you have limitations on which ambulance company you can utilize and use one that is not part of the approved network.
  • You have not yet reached your annual deductible for health insurance.
  • If you did not acquire PIP when you registered in your plan, or if your ambulance bill exceeds the total coverage you purchased under PIP.

Coverage for Ambulance Rides

When your ambulance trip is the result of a car accident, auto insurance is usually your best option. You will not be required to pay a deductible or a copay, as you would with health insurance. In fact, if you need to use both your auto insurance and your health insurance, your car insurance may cover your deductible or copay.

Medical payments coverage or personal injury protection can provide coverage for healthcare expenditures incurred as a result of a car collision (PIP). Most states make them optional, so don’t assume you already have them.

If you are in an accident, both can pay for your and your passengers’ ambulance services. They can also assist you if you are hit by a car while walking. However, there are some constraints. Most importantly, ambulance services are only covered by auto insurance when they are “medically required”.

Clinically relevant services for your illness, injury, condition, symptoms, or disease are considered medically required. Your insurance will not cover the ambulance travel if it was taken mainly for convenience.

How to Get Your Ambulance Bill Paid

To gain coverage for an ambulance cost, be sure you have the proper insurance. Consider adding medical payments coverage or personal injury protection (PIP) to your auto policy because you will not be charged a deductible or copay for medical bills.

There’s not much you can do to save money during an emergency, but if you need an ambulance for a non-emergency, ask the provider if they’re in your network. If not, try to find another ambulance or alternative mode of transportation.

If you’ve already taken an ambulance trip and your insurer refuses to cover it, examine your state’s laws for protection against unexpected medical expenditures. In an emergency, some states limit ground ambulance expenses to $250.

Even if yours does not, attempt to bargain. Contact your insurance provider and the ambulance service to see what they can do to assist you.

How Are Ambulance Fees Determined?

Some medical services, such as physical examinations, are flat-rate billed, which means you pay a set price for the entire session. In the case of ambulance journeys, the cost is variable rather than fixed. This means that your ambulance ride could be inexpensive—or rather expensive.

Ambulances often charge based on the number of loaded miles traveled during your trip. Miles incurred on the route to pick you up are normally not tallied towards your total. If the cost of each loaded mile is $100 and you are transported 10.5 miles, your ambulance bill is $1,050.

Ambulance firms may also charge for health services such as oxygen delivery. Overall, ambulance prices have risen significantly over the last five years, and billing processes are not uniform across the industry.

What Is the Cost of an Ambulance Ride Without Insurance?

Ambulance companies’ pricing is not regulated by the government. This means that if it is not fixed due to an arrangement with an insurance company, expenses can quickly pile up. You’ll always be on the hook for the full bill if you don’t have insurance.

According to recent research, ambulance rides without insurance can cost up to $20,000.

What Is the Cost of an Ambulance Ride With Insurance?

If you have automobile insurance, a plan that includes personal injury protection, and the charge for your ambulance travel is less than the amount you are protected for under your car insurance policy, your ambulance ride may be free.

If you have a health insurance policy that covers ambulance rides, you may be required to pay a percentage of the price. The percentage you pay may be determined by your coinsurance rates, which should be included in your contract. However, if you haven’t met your yearly deductible or the ambulance travel isn’t deemed medically essential, you may be on the hook for the entire expense, even if you have insurance.

Aside from coinsurance rates, a recent study projected that even when a non-emergency in-network ambulance ride was pre-arranged, patients could still be billed for the full out-of-network portion of the cost, which averaged over $400.

The survey also indicated that during an emergency, 72% of patients with private health insurance could be surprised with a bill after their ambulance trips since the ambulance firm summoned by the 911 dispatcher was not in-network.

What Should You Do If You Receive an Ambulance Bill?

Most ambulance invoices will be routed straight to your insurance company, and you will receive documentation from your insurance company rather than the ambulance provider.

If you were unable to provide the ambulance company with your insurance information, you may get an ambulance bill in the mail. If this happens to you, contact your insurance carrier for instructions, as different firms in different states may conduct the process differently than others.

Also, if you don’t have insurance and receive an ambulance bill, there are a few options for lowering the charge to make it simpler to pay.

Request an itemized bill to ensure you are not being overcharged for any services.

If you realize that certain services are being billed at a greater rate than expected, negotiate with the ambulance company. 

If you have gone a long time without paying the bill, you may be able to settle with the ambulance company for a lower sum. You can do this either via your own negotiation skills or with the assistance of a trained lawyer.

What Should You Do If an Ambulance Company Doesn’t Participate in Your Insurance Network?

Unfortunately, due to the nature of crises, coordinating an ambulance pickup from an in-network firm might be problematic at times. You may be unable to communicate your condition adequately to the 911 dispatcher, or, in the worst-case scenario, waiting for a covered ambulance transport may endanger your health.

One option is to select a health insurance plan that covers out-of-network ambulance services in part or whole. These plans are frequently more expensive than their more restrictive alternatives. However, the savings on even a single ambulance journey can exceed the higher premium expenses and keep you from facing financial difficulty as a result of your ambulance ride.

Can I pick which ambulance company I want to use?

If you require ambulance services, you can contact an ambulance company directly to schedule a pickup. In this instance, you have the option of selecting the ambulance company.

When you dial 911 for a medical emergency, things become a little more complicated. When you contact 911, you can select a certain ambulance provider. However, depending on the severity of your injuries or ambulance availability, the 911 dispatcher may use their judgment and send an out-of-network ambulance to ensure your life is not jeopardized by any potential delays.

Who Pays First for Ambulance Rides?

When different types of insurance provide overlapping coverage, who should pay first: your own auto insurance, the policy of the other motorist, or your health insurance? The precise order in which various types of insurance will kick in to cover your ambulance charge can be complicated.

Our list above is in the approximate order in which the various coverages will take effect. However, the actual order will change depending on a number of circumstances, including:

  • Your state’s legislation
  • Your insurance coverage options
  • The guidelines outlined in your vehicle and health insurance policies

Only by consulting with your own car and health insurance providers, as well as the other driver’s insurer, can you identify the exact priority of payment for your scenario.

Do You Pay For Ambulance in USA?

It is up to the ambulance service. Some may not charge you if they do not provide transportation. Others may charge you even if you are not sent to the hospital.

How Much Is An Ambulance Ride Without Insurance In America?

Without insurance, the average ambulance ride costs roughly $1200. However, factors such as ground mileage and the severity of services have an impact on ambulance service pricing. The No Surprises Act, which tries to reduce unexpected medical charges, does not protect ambulance journeys.

Does Medicaid Cover Ambulance in NY?

Medicaid now pays the remaining 20% of deductibles and co-payments for “dual-eligibles,” or patients who are eligible for both Medicare and Medicaid. Ambulance service is currently a covered service for Medicaid “crossover” payments for dual-eligibles, low-income, and elderly New Yorkers.


Back to our question, Does insurance cover ambulance rides? We have been able to do justice to this question. But if you still have uncertainties as to what your insurance policy will cover, you can contact your insurance provider for more clarity. 

Frequently Asked Questions

Does it cost money to call an ambulance?

You may be charged for ambulance services if you do not have a medical card. However, the practice varies across the country, and fees may be waived in certain circumstances.

Why are ambulance rides so expensive?

Ambulance rides are so expensive because they include salaries and training for the paramedics who are on call 24 hours a day, expenditures for equipment and medication administered in the ambulance, and indirect costs for the ambulance and equipment improvements.

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