I Have Insurance, Do I Need EMSAcare?
Medicare and insurance companies deny about 30% of all ambulance claims they receive. When they refuse to pay, the entire bill - usually totaling more than $1,300! -- becomes the patient's responsibility.
Even if Medicare/your insurance provider approves your claim, it's likely that you'll still be responsible for meeting a deductible or providing a co-payment. Plus, insurance companies often pay a reduced amount when they approve a claim - leaving patients to pay the remaining balance.
But EMSAcare members never have to pay out-of-pocket for EMSA emergency care or for covered non-emergency service. Members are charged a significantly reduced rate (40% savings off the standard rate) for uncovered non-emergency service.