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.
People fly across borders frequently for purposes ranging from recreation to business. One concern that bothers most of these travellers is reaching home safely in case there is a health eventuality. It must be noted that airambulance services can be quite expensive and cost more than $100,000 if you do not have adequate coverage. Yet, people tend to ignore medical flight cost coverage. This happens mainly due to misinformation. Here, we burst a few of such myths.
Airambulance Coverage Comes with Health Insurance Policy
This is the biggest myth that costs most people dearly. While some insurance companies cover a few air ambulance service providers, not all are covered. It is vital that you discuss the kind of coverage that your health insurance policy covers. Look at the coverage both domestically as well as internationally. Also, there is hardly any insurance policy that transfers patients to the hospital of their choice.
Travel Insurance and Air Ambulance Coverage are the Same
There can be nothing which is further from the truth. Travel insurance, unless specifically stated, does not cover air ambulance costs. You might be left to fend for yourself in foreign land where healthcare facilities are not up to your satisfaction. If your travel insurance brings you additional cover for medical flights, go for it. Otherwise, go for an additional cover through another agency.
Coverage for International Air Ambulance is Expensive
There is no truth in this statement. Coverage is often surprisingly cheap and does not cost more than $100-150. You can even get your entire family covered for an amount like that. Memberships are usually annual which means you’ll have to keep renewing it – a small price to pay if you fly frequently. Note that such coverage is available for both national and international travel.
Coverage through Credit Cards is Enough
Does your credit card take you to the nearest appropriate facility only or does it take you to the facility of your choice? Are you expected to make the arrangement for air ambulance? What distance is covered? These are just a few of the questions that you need to ask before solely relying on credit card air evacuation coverage.
If you have more questions regarding airambulance coverage, feel free to ask your questions in the comment section below. We’d love to allay your concerns.
The recent despicable act of terrorism in Paris recently has got the world together in solidarity with the French. However, it can’t be denied that there is an air of insecurity that is lingering in the air. The attacks have made air ambulance coverage all the more important in a new world where violence seems to make its way in ways that one can’t imagine.
It has been seen that there is a spike in demand for air ambulance coverage off late. So, the vital question is “what kind of air ambulance coverage do I need when travelling abroad?” Your visit could be for business or recreation, you need to clarify certain things with your insurance carrier and also look for additional coverage.
Does Your Travel Insurance Provide Air Ambulance Cover?
It is likely that it doesn’t. Most travel insurances do not cover air ambulance evacuations at all. You don’t want to be stuck in a foreign country in case you’re caught in an unfortunate incident, amid all the chaos. The first thing that would linger in your mind is being with your family and loved ones. So, specifically look for an insurance that brings you air ambulance evacuation.
You’re Better off with Additional Air Ambulance Coverage
There are specific air ambulance coverage plans available to you today. While the maximum that insurance can offer you is air ambulance transfer to the nearest facility in your home country or abroad, you can get a better deal than this through additional cover.
There are air ambulance plans today that promise to bring you back to a medical facility that is close to your home. Some even offer to transport you to a facility of your choice. If you’re thinking that the whole affair is going to be expensive, think again. There are plans that cover you both domestically and internationally for a few hundred dollars each year. All you need to do is look for a plan that suits you best.
Air ambulance services are the only option most of the time when a patient suffers a severe heart attack, stroke or any other medical eventuality. The sad part is that, during such times, most patients are neither in a position to deny air ambulance services nor choose one on their own. For this reason, the Nebraska Department of Insurance has come up with certain guidelines to keep the patients away from financial shocks.
How Much Does Air Ambulance Typically Cost?
The numbers can run anywhere from $12,000 to $25,000 per flight and these numbers only cover domestic flights. If the requirement of air ambulance is to fly overseas, the price can go well over $100,000. The Association of Air Medical Services says that over 550,000 patients make use of air medical evacuation each year. A sizeable part of this population later faces problem when it comes to payment of the bills as insurance companies refuse to cover the entire charge.
Understanding Air Ambulance Insurance
Insurance companies will only pay the bills when they deem the use of air ambulance absolutely necessary for the patient’s survival. There are times when insurance companies refuse to foot the bill or part of it.
When it comes to Medicare, it only pays if it determines that the necessity for air ambulance is immediate and that ground ambulance cannot do the job. Also, it only covers the cost to the nearest appropriate medical facility.
What is the Solution?
The first and foremost thing to do is read all the details of your insurance cover thoroughly. In case you need additional cover, purchase it beforehand. Know all the terms and conditions. Here are some of the questions that should bother you:
- Will the insurance cover equipments like oxygen and life support onboard the air ambulance?
- Will the cost of transportation to and from the air ambulance be covered?
- Will the cost of family member accompanying the patient be covered?
- Is there a limit to the distance covered?
- What types of emergencies are covered?
It is important to note here that the only way to keep yourself away from a financial doom is to think about air ambulance when you’re healthy.