matter after an accident, heart attack, stroke or other major medical
emergency. Air ambulances, also known as medevac services, quickly transport
a patient to a medical facility. While some health insurance policies provide
coverage for this service, coverage gaps can leave patients struggling to pay
large bills. Here are the basics of what you should know about air ambulances
from the National Association of Insurance Commissioners (NAIC).
is an air ambulance?
When a ground ambulance can't reach a patient, or get there fast enough, an
air ambulance is called. Air ambulances are often equipped with
state-of-the-art medical equipment and staffed by paramedics, emergency
medical technicians and sometimes doctors and nurses.
ambulances most commonly transport patients with traumatic injuries,
pregnancy complications, heart attacks, strokes and respiratory diseases. The
Association of Air Medical Services estimates that more than 550,000 patients
in the U.S. use air ambulances each year. However, using air ambulances is
expensive and might not be covered by the patient's health insurance policy.
much does an air ambulance flight cost?
The average air ambulance trip is 52 miles and costs between $12,000 to $25,000
per flight. The high price accounts for the initial aircraft cost which can
reach $6 million as well as medical equipment and maintenance. Also factoring
into the price is the cost of round-the-clock availability for
specially-qualified medical personnel and pilots to take flight at a moment's
on the severity of the medical condition, the number and type of medical
staff on board can vary, further impacting the flight price. If you undergo a
medical emergency abroad, the cost of medical evacuation back to the U.S. can
reach six figures.
is it important to understand air ambulance insurance?
Time is critical in a major medical emergency. Patients are usually not able
to negotiate prices or refuse transport while requiring urgent medical care.
Refusing service is not an easy choice when trained medical staff has
determined an air ambulance is a medical necessity.
insurers will pay what they deem reasonable use of an air ambulance; however,
sometimes the air ambulance company and the insurer disagree on the cost.
Depending on circumstances, the remainder of the bill—which could run in the
thousands of dollars—could be your responsibility.
may pay for air ambulance services if the medical emergency requires
immediate and rapid transportation that ground transportation couldn't
provide. In addition, Medicare may only cover ambulance services to the
nearest medical facility and won't provide coverage for medical care outside
does air ambulance insurance cover?
Speak to your agent to find out what coverage your policy provides. Typically
air ambulance insurance will cover the medical care you require during
transportation such as oxygen or life support. Sometimes, the flight price
will include transportation to and from the aircraft which is known as
"bedside to bedside" service. The service also often includes the
cost for any family members or other passengers to accompany the patient.
that you may only be covered if you are within a certain number of miles from
an airstrip or airport. Some policies will only provide coverage for a
certain type of aircraft based on the type of medical emergency you
can you do to protect yourself?
The time to think about air ambulance coverage is before you or a family
member experience a medical emergency. Protect yourself by finding out what
air ambulance coverage you have by reading your health insurance policy or
contacting your agent. If you need additional coverage, talk to your
insurance company to see if you can purchase extra air ambulance coverage.
can't get the coverage you need from your insurer, you may need to look to
other companies for coverage.
For more information, contact your state insurance department.