I have insurance and/or Medicare. Why should I participate? Isn't it like I'm paying for the same thing twice?
If insurance / Medicare always paid 100% of ambulance claims, you'd be correct. But the reality is this: insurance and Medicare deny about 30% of all ambulance claims. If this happened to you and you weren't participating, then you would be personally responsible for paying EMSA's full-billed charge of $1,300 plus $12 per mile. Even when insurance / Medicare approve claims, many people still have a financial burden: a $50 to $250 deductible, a 20% copayment (like with Medicare), or the difference between the billed charge and how much insurance will cover. If you participate in the program, you have no out-of-pocket costs for EMSA emergency ambulance transports. Whatever insurance / Medicare pays is counted as payment in full.

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1. If I participate, who is covered?
2. I have insurance and/or Medicare. Why should I participate? Isn't it like I'm paying for the same thing twice?
3. What if my personal insurance and/or Medicare doesn't cover the full cost of the claim?
4. What constitutes an emergency transport?
5. What constitutes a non-emergency transport?
6. Do participating customers receive benefits for non-emergency transports, too?
7. Are there any excluded services?