Ensuring Medical Air Transport Coverage Beyond Health Insurance

Americans today seem to have a false sense of security thinking that everything related to their medical wellbeing is automatically covered by health insurance. The reality is far from this belief. The health insurance providers differentiate between hospital expenses and medical air transport. While a good insurance will cover almost the entire medical treatment bill, the same insurance would hardly cover one-third of the medical air transport bill. To make matters worse, the medical air transport cost, even for short distances, sometimes is very high.

Why are Medical Air Transport Costs so High?

Maintaining helicopters and airplanes is no child’s play. It’s an expensive affair. Plus, keeping emergency professionals on standby at all times means additional costs. All these expenses, of course, have to be ultimately borne by the patients availing the services or the health insurance providers. The insurance providers only cover the in-network medical air transport services, and since insurance companies tend to disagree with the high bills that air ambulance companies generate, they only end up covering a part of it. This dissuades these companies to go in-network with the insurance carriers.

There is a Way Out and It Does not Cost Much

All it takes is a bit of planning. When you know well that insurance companies do not cover the expenses fully, exploring other options is the wise thing to do. There are several agencies that specialize in providing medical transport coverage. The costs are nominal and the coverage is usually good. They cover those expenses which are left uncovered by the insurance companies. So, in today’s world while ensuring medical insurance coverage is important, it is equally important to also keep yourself and your family covered for medical air transport emergencies. Failing to do so, can land you in a financial mess that can take years to clean up.

Six Amazing Facts about Worldwide Air Ambulance Services

We look at worldwide air ambulance services to bring you some facts – some fun and some intriguing; nevertheless, they are all interesting.

Fact 1: The Wright Brothers’ maiden flight was in the year 1903 but the first air ambulance service dates back to 1870! Wondering how? It was the French who first found use for it in their military endeavors. The air ambulances were not really mechanical. What the French used were air balloons. Well, we can still call them air ambulances.

Fact 2: The common notion is that worldwide air ambulance services are sought to transport patients to cover long distances. Contrary to this belief, the average distance covered by these life-saving birds is just about 52 miles. Interesting, isn’t it?

Fact 3: Air ambulances played a big part in World War I and were a great success. After the War ended in 1918, the private industry was quick to catch up. The 1930s saw several private air ambulance companies across the world, but the greatest capitalist country in the world, the US, was a bit late to catch up with the trend.

Fact 4: The medical flight industry in the United States employs over 21 thousand skilled professionals. The average salary is over $68,000. However, their exemplary services prove useful to over 400 thousand people each year!

Fact 5: It is the ageing population that is driving the worldwide air ambulance industry. For instance, in the US, the industry is expected to grow at the rate of 10% per annum, mainly owing to an aging population. The fact debunks the belief that MVAs are what keep the demand high.

Fact 6: The air ambulance industry has more helicopters when compared to airplanes and the cost of hiring a medical flight can range anywhere between $12,000 and $25,000 most of the time. However, the cost can go much higher if the level of care needed is high.

Guide to Handle Medical Air Transport Bills

While medical air transport is, no doubt, a life-saving necessity, the bills that the service generates can be quite shocking in most instances. The one belief that lands people in a financial mess is that having a medical insurance is enough to cover the medical air transport bill. Nothing could be far from reality. Insurance companies usually have a tie-up with only a few air ambulance companies. The rest of the companies are considered “out of network” by these insurance providers. What makes it worse is that medical emergencies do not always allow people to choose the in-network companies. When it’s a question of life and death, the quickest service is always the first priority.

Medical Air Transport Requirements are Real – Plan Them

“Prevention is better than cure” and this saying holds true for medical air transport planning. People need to get out of denial thinking, “Oh, that’s a farfetched requirement for me.” Memberships are offered by most air ambulance companies at a very reasonable price. Availing these is the wisest thing you can do.

What if You Do Not Have Air Ambulance Coverage or Membership?

Let’s consider a scenario where you end up with a huge medical air transport bill and you’re absolutely unable to pay it; plus your health insurance refuses to cover it. Get in touch with the air ambulance company, tell them your financial status and make it clear to them what you can pay. Most companies will agree to what you can pay (or at least a figure close to it). The reason is simple – a smaller payment is better than no payment at all.

You can request them for a payment plan, if you think you can pay it over a period of time. Also, negotiate with your health insurance company and try to get them to pay more. Do not shy away from taking legal opinion if it comes to that.