The United States of America spends the highest amount of money on healthcare in the world. It was already at $2.9 trillion in 2013, which has only increased since. This is not necessarily a bad thing as patients invariably get excellent medical care throughout the country.
The insurance too, for the most part, covers the expenses well, although it’s a bit long-drawn sometimes. However, air ambulance service coverage has been a bone of contention for sometime with most of the blame going to the air ambulance service provider rather than the insurance companies. Take the instance of air ambulance services in Montana.
Air Ambulance Service in Montana
Montana is mostly comprised of rural areas, so speciality healthcare is not always available close by, necessitating use of air ambulance service for adequate treatment. The air ambulance services are not always covered by insurance companies in full and the reason given is that the service is not “in-network” and only the companies that are in the insurance network are covered.
Bargaining Power of Air Ambulance Service Providers Matters
To get to the core of the problem, one needs to understand the negotiations held between air ambulance service providers and insurance providers. In a place like Montana, there are a few insurance providers; in fact, there are just three. This gives the insurance companies huge bargaining power when fixing an amount that would be given to the air ambulance service provider. Most air ambulance companies are wary of settling for a low price as it doesn’t adequately cover the cost. As a result, they choose to stay out of the network. Insurance companies only cover air ambulance services in full if they are offered by companies “in network.”
Moreover, the patient rarely gets to choose an air ambulance service provider. Last year alone, Montana saw over 3,000 medical flights. There needs to be some consensus between all the insurance providers and air ambulance service providers if the patients are to benefit in the true sense.