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Short answer is maybe. If you have a “qualified health plan (QHP)” the answer is yes. A QHP is an insurance plan that is certified by Nevada Health Link in Nevada that covers “10 essential health care benefits” including ambulance rides. You, the customer, would pay possibly a deductible, a co-payment, or co-insurance for your ambulance trip.
Also, Employer Insurance, Medicare, Medicaid, VA, Tricare, and others will cover emergency transportation ambulance trips. If you have one of these types of plans, you are guaranteed coverage. Most private health insurance plans also pay for emergency medical transportation but understanding your coverage may require a little research.
If your “health insurance” policy is not a true health insurance policy but is something else like a “health coverage plan”, an indemnity policy, a “discount” plan, a healthcare sharing ministry plan, or others, you’d have to look at what benefits you may have. There may or may not be any benefit for ambulance coverage. These plans are not required to cover emergency transportation. Also, check the benefits of your short-term health insurance policy for the details of coverage.
Additionally, just as your health insurance plan has in-network hospitals and doctors, it also has in-network ambulance operators/companies. If you were taken to the hospital by an ambulance outside of your plan’s network, you may be financially responsible for some or all of the bill.
If your health insurance has deductibles, co-insurance or co-pays to pay first and your ambulance trip is related to an auto accident, your auto insurance policy should provide this coverage. Also, if you have “med pay” on your auto policy, or “uninsured motorist” or if it’s the other person’s fault, the auto policy may help cover these costs.
Talking to an insurance agent can help you understand your health and auto insurance policies and the level of coverage you have for ambulance services.
If you do not have health or auto insurance coverage for the ambulance ride, you are responsible for paying the entire bill out of pocket. Depending on the details of your trip, your final bill may be up to several thousand dollars. Factors that influence the bill include:
At Nevada Insurance Enrollment, our health insurance agents assist you in understanding your policy to determine its coverage for emergency medical transportation, which may help you avoid surprise bills in the future. To get help with understanding your existing coverage or to get one-on-one professional assistance with finding the right plan for your needs and budget, contact one of our health insurance agents today.
The majority of health insurance companies have a contract with a network of hospitals and other providers. In this contract, there are negotiated rates for different services. This negotiated rate is generally lower and sometimes significantly lower than what a provider would charge someone who is paying out of pocket.
To help customers avoid buyer’s remorse, health insurance policies are required to offer a free-look period. If at any time during this period you find that you’re dissatisfied with your policy, you can cancel it and get your money back.
In most cases, when someone is talking about state-based health insurance, they’re referring to a health insurance plan that is regulated by the Department of Insurance in that state. These plans are sold through state health insurance exchanges.
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Car seats are designed to accommodate your household’s youngest passengers, making sure that they are as safe as possible while on the road. However, did you know that just like helmets and other safety equipment, car seats have a shelf life?
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Even if it’s been determined that you definitely are not responsible for the accident, you can file a claim under your own comprehensive coverage and pay your deductible. Then, because it’s the financial responsibility of the at-fault driver and their insurer to get you back to pre-accident condition, your insurance company would use subrogation to file a claim with the other insurance company. This will allow them to get back any money paid out for repairs, including your deductible.
Nevada Health Coop will NO LONGER be offering insurance after 2015. They will continue to be operational throughout 2015, so if you happen to have Nevada Health CO-OP as your insurance company, your claims will still be paid. You can still go to doctors, however, you’ll need to select a new plan for 2016