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Air Ambulance Advice by Nebraska Department of Insurance

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.