The Rising Cost of Emergency Medical Transportation.

Medical emergencies can happen at any time, and when they do, the first thing most people think of is calling for an ambulance. However, what many people don't realize is that the cost of emergency medical transportation can be exorbitant, leaving them with a hefty bill to pay.

In this article, we'll explore the high cost of ambulance and helicopter emergency bills and what you can do to prepare for these unexpected expenses.

The Rising Cost of Emergency Medical Transportation

Ambulance Services

According to a study by the National Association of Insurance Commissioners, the average cost of an ambulance ride in the United States is between $250 and $4500. This wide range is due to various factors such as the distance traveled, the level of care provided, and the type of ambulance used.

For example, a basic ambulance ride is $1850 and if the ride is considered medically necessary the patient would most often still owe the deductable of $250 , while a critical care ambulance ride can average from $3500 on up to $13,000. Some ambulance companies charge a base rate plus a per-mile fee, which can quickly add up. In addition, Insurance can only pay up to the usual, customary and reasonalble amount also known as the amount on the insurance fee schedule. Often leaving the patient with a large balance bill they are responsible to pay . This applies to people of all ages and all types of insurance including Medicare, Medicare Advantage Plans, Tricare, VA and Private insurances.

Helicopter Emergency Medical Services (HEMS)

In some cases, a medical emergency may require the use of a helicopter for transportation. This is often the case not only in rural areas but also in the case of a patient suffering a serious illness or emergency requiring quick transportation to the nearest Trauma Center .

According to Consumer Reports, the cost of an Air Ambulance transport ranges from $10,199 to $50,200 and higher. This is significantly higher than the average cost of an ambulance ride and can leave patients with a hefty bill to pay.

Why Are Emergency Medical Transportation Costs So High?

There are several reasons why the cost of emergency medical transportation is so high. These include:

High Overhead Costs

Ambulance companies and HEMS providers have high overhead costs, including the cost of maintaining and operating their vehicles, equipment, and staff. These costs are often passed on to the patient, resulting in high bills.

Lack of Regulation

Unlike other medical services, the cost of emergency medical transportation is not regulated. This means that ambulance companies and HEMS providers can charge whatever they want, leaving patients with little control over the cost of their transportation.

Insurance Coverage

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While most health insurance plans cover emergency medical transportation, they may not cover the full cost. This can leave patients with a significant out-of-pocket expense, especially if they have a high deductible or coinsurance.

How to Prepare for Emergency Medical Transportation Costs

While you can't predict when a medical emergency will occur, you can take steps to prepare for the high cost of emergency medical transportation. Here are some tips to help you prepare:

Review Your Health Insurance Coverage

Before an emergency happens, it's essential to review your health insurance coverage to understand what is and isn't covered. This will give you an idea of how much you may have to pay out-of-pocket for emergency medical transportation.

If your health insurance doesn't cover the full cost of emergency transportation, you may want to consider purchasing additional coverage, such as a supplemental insurance policy or a health savings account (HSA).

Consider Joining a Membership Program

Some ambulance companies offer membership programs that provide coverage for emergency medical transportation. For a yearly fee, you can become a member and receive discounted or free ambulance services in the event of an emergency.

While these programs may not cover the full cost of transportation, they can significantly reduce your out-of-pocket expenses.

Save for a Rainy Day

Having an emergency fund can help you cover unexpected expenses, such as emergency medical transportation. Experts recommend having at least three to six months' worth of living expenses saved in an emergency fund.

If you don't have an emergency fund, start setting aside a small amount of money each month until you have enough to cover a potential emergency.

Negotiate Your Bill

If you receive a high bill for emergency medical transportation, don't be afraid to negotiate. Many ambulance companies and HEMS providers are willing to work with patients to reduce their bills or set up a payment plan.

Be sure to explain your financial situation and ask if there are any discounts or payment options available. You may be surprised at how much you can save by simply asking.

What to Do If You Can't Afford Your Emergency Medical Transportation Bill

If you receive a bill for emergency medical transportation that you can't afford, don't panic. There are steps you can take to reduce your bill or find financial assistance.

Contact Your Insurance Provider

If you have health insurance, contact your insurance provider to see if they can negotiate a lower rate with the ambulance company or HEMS provider. In some cases, they may be able to reduce your bill or cover a portion of the cost.

Apply for Financial Assistance

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Many ambulance companies and HEMS providers offer financial assistance programs for patients who can't afford their bills. These programs may be income-based, so be sure to provide proof of your income when applying.

Seek Help from a Medical Billing Advocate

If you're having trouble understanding your bill or negotiating with the ambulance company or HEMS provider, consider seeking help from a medical billing advocate. These professionals can help you understand your bill, negotiate on your behalf, and find financial assistance programs that you may qualify for.

Conclusion

The high cost of ambulance and helicopter emergency bills can be a significant financial burden for patients. However, by understanding the factors that contribute to these high costs and taking steps to prepare, you can reduce your out-of-pocket expenses and avoid financial hardship.

Be sure to review your health insurance coverage, consider joining a membership program, save for a rainy day, and negotiate your bill if necessary. And if you can't afford your bill, don't hesitate to seek help from your insurance provider or a medical billing advocate. With the right preparation and resources, you can navigate the high cost of emergency medical transportation and focus on your recovery.