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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.
If you’re nearing the end of your policy term and you’re planning to auto-renew rather than go through the process again, you may end up paying too much for auto insurance or worse, find yourself underinsured.
Among the primary causes of this persistent problem is the lack of competition. Consumers still have limited options when it comes to health insurance and health care providers.
Up until 10/1/2019, Nevada residents had the option of enrolling in off-exchange health insurance plans at any time during the year. The catch? There was a 90-day waiting period after enrollment before coverage becomes effective.
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If you’re hit in an accident, the at-fault party’s auto insurance company is responsible for getting your vehicle back to pre-accident condition by making any necessary repairs. However, even if your vehicle is restored to its pre-accident condition, it may not be restored to its pre-accident value.
After an accident, it’s an insurance company’s job to pay for any repairs necessary for getting your vehicle back to pre-accident condition. But what happens if an old tire is damaged during an accident? For safety reasons, your auto insurance company would pay for a new tire to be put on your vehicle.
Your auto insurance probably isn’t something you spend much time thinking about. It may come as a surprise, then, when your insurance agent gets in touch with you twice a year to discuss your policy. Many insurance policies are only six months long, and as it turns out, that can work in your favor.
Your auto insurance premium isn’t a figure that’s just pulled from the air; in fact, your insurance company uses intricate algorithms to determine just how likely they are to pay out a claim on your behalf, and that’s what determines your premium.