My Insurance Won't Pay for an Air Ambulance. What Now?
In a perfect world, every air ambulance transport would be covered by the patient's insurance. But unfortunately, that's just not the case. Often, I find myself speaking with patients and families who've had their request for air medial transport denied by an insurance company, for whatever reason. For families, the denial of coverage can be heartbreaking and leave them confused about where to turn next.
Fortunately, even if an insurance company won't pay for a transport, all hope is not lost. At MedFlight911, we'll go through all the possible options with you to see that your loved one gets the transport they need. Steps we'll take may include:
- Contacting the insurance company. Sometimes, persistence pays off. Our team will work with the patient’s insurance company to try to get the transport covered. This doesn't work in all cases, of course, but it's a good first step. In the case of Kim Alvarez, for example, all working together, we were able to get the insurance company to fully cover Kim’s air ambulance flight to the brain injury rehab facility.
- Presenting the most affordable transport option. Our patients come first at MedFlight911. We'll consider all possible transport options and present you with the one that is the most cost effective, based on the patient’s condition. For example, in some cases ground medical transport (which is typically more affordable than air transport) may meet the patient's needs and ease the financial burden on the family.
- Providing a clear estimate for cost services. At MedFlight911, we pride ourselves on transparency. When we provide you with a quote, that number represents what you'll actually be charged – we don't have hidden fees or surcharges. Of course, sometimes the nature of the air medical transport changes after we prepare the initial quote, which could change the cost of the trip, but if that happens we'll explain the change to you and discuss all of your options.
While it's not always feasible, we also recommend that people plan ahead when they can. No one wants to think about getting hurt or sick on an international vacation, for example, but you absolutely need look into your insurance policy to see if it covers medical evacuations – before you depart! Depending on the coverage you have, it may be well worth it to purchase travel insurance, just in case.
A medical transport policy like the ones provided by Medjet Assist (who we’ve worked with before) may also be a smart buy if you live far away from close family who you'd want to be close to in the event of an emergency. Of course, if you are purchasing insurance specifically to get air ambulance coverage, make sure you read the terms carefully. Some policies may have restrictions, and it's good to know what those are in advance to avoid any unpleasant surprises.
If you think you might need air medical transport, contact us today at 888-359-1911. We can discuss your needs and also provide you with a no-obligation air medical transport quote.