Life is full of unexpected moments, and unfortunately, sometimes they can take a toll on your body and your wallet. However, having health insurance in place is one of the best ways to protect yourself from expensive medical costs, like ambulance trips. If you experience a medical emergency that requires ambulance services, you or someone on the scene of your accident should call an ambulance right away. But how will you pay for your ambulance ride? Paying out-of-pocket for ambulance services is expensive, which is why short-term medical (STM) insurance includes a benefit for ground ambulance trips.
Short-Term Health Ambulance Benefits
Depending on the state where you purchase your plan, a short-term health insurance plan from Vera Health could provide you with a $500 benefit for emergency ground ambulance trips, which can be applied to as many ambulance trips as needed. Keep in mind that ground ambulance services do not include life flight or any other air or water ambulance trips. However, they do include transportation to the nearest available hospital to treat your sickness or injury. Short-term health plans also cover ground ambulance transportation to an additional hospital if the first hospital you visit is unable to treat your condition.
How Much Does an Ambulance Trip Cost?
Ambulance trips have a wide range of pricing from hundreds to thousands of dollars, which is dependent on several factors, such as:
- Your location
- The types of services you receive in the ambulance – someone requiring life support could pay more than someone with a broken bone.
- Distance traveled in the ambulance
- Ambulance dispatch proximity (how far away the ambulance needs to travel to reach you)
No matter how much your ground ambulance trip costs, your short-term medical plan will cover up to $500 toward the total bill. Just remember that ambulance trips are subject to deductible and coinsurance, so you’ll need to satisfy your policy’s cost-sharing requirements before your benefit goes into effect.
- Deductible: the amount that you are responsible for before any benefits are paid by your health insurance. Once you reach your deductible, you pay a percentage of the remaining costs for covered expenses.
- Coinsurance: your share of the costs of a covered health care service.
Could Short-Term Health Insurance Be for You?
Short-term health insurance can be a great option for many types of people, such as self-employed workers, those who don’t receive health insurance from an employer, or those in-between jobs. Also, short-term health plans have lower monthly premiums than many Affordable Care Act (ACA)-compliant major medical plans and include coverage for a variety of health care services, including ground ambulance trips. Here are a few more things that you can expect from a temporary health plan that we offer:
- Flexible deductible and premium options
- Lower rates
- No enrollment periods – you can apply at any time.
- Benefits for:
- Doctor visits
- Emergency room visits
- Some preventative care
- Child immunizations
- Physical therapy
- Home health care and more
Keep in mind that covered services may be subject to waiting periods, visit limitations, deductible, coinsurance, copays, and/or benefit maximums depending on the plan you purchased.
If you have any additional questions about short-term health coverage for ambulance services, ask us in the comments below or chat with a friendly Vera Health expert by calling 844-961-9645. Vera Health takes the mystery, fluff, and hassle out of buying health insurance. Find out if Vera could be a good fit for you today!
Short Term Medical coverage is not required to comply with federal market requirements for health insurance, principally those contained in the Affordable Care Act. Be sure to check your policy carefully to make sure you are aware of any exclusions or limitations regarding coverage of pre-existing conditions or health benefits (such as hospitalization, emergency service, maternity care, preventive care, prescription drugs, and mental health and substance use disorder services). If this coverage expires or you lose eligibility for this coverage, you might have to wait until an open enrollment period to get other health insurance coverage.