WHAT KIND OF INSURANCE COVERAGE IS AVAILABLE?
HMO’s, PPO’s, IPO’s and other insurance plans often cover air ambulance services. Look for an air ambulance benefit and check the criteria. Most plans require that medical necessity is met. (A physician must certify the transportation by air ambulance is needed and that transportation by other means may endanger the patient.) Some plans require that the transport is a life threatening emergency or that the destination is the closest appropriate facility. Check if there is a maximum benefit and what the level is (ei: an 70% benefit level means the family must pay 30% of the charges).
