Deductibles, copays & coinsurance
Your ambulance deductible, a fixed copay, or a percentage of approved charges can leave a balance—even when your insurer covers the ride.
EMERGENCY AMBULANCE MEMBERSHIPS
Your recovery comes first.
Ambulance plans for peace of mind.
Ground and air ambulance memberships for the costs health insurance may leave behind. EMS360 covers eligible ambulance deductibles, copays, and coinsurance—so an emergency ride doesn’t become a financial emergency.
No provider restrictions No waiting period No network limits No out-of-pocket costs*
*For eligible emergency ambulance expenses under your selected membership. Membership fees and terms apply.
Memberships from $9/month · Individual Ground or Air plans
A LITTLE PREPARATION. A LOT OF PEACE OF MIND.
BUILT AROUND YOUGround + AirTwo emergency benefits. One membership.
Best value Nationwide emergency transport benefitsSubject to membership terms
Ground, air, or both Individual, Family & Household Immediate benefits after enrollment payment Secure member portal
THE INSURANCE GAP
Does insurance cover
the whole ambulance bill?
What you pay for an ambulance ride depends on your health plan, the transport, and billing protections. Insurance may only cover a small portion of the service while leaving deductibles, copays, or coinsurance for you to pay.
You may not get to choose the provider
Getting emergency care comes first. The responding ground or air ambulance may be out of network, and you may have little choice about the provider.
Ground and air have different protections
The federal No Surprises Act generally excludes ground ambulances; state protections vary. It protects many covered air ambulance rides from balance billing, but in-network cost sharing can remain.
Insurance denials & underpayments
A denied ambulance claim or a payment below billed charges can leave an unexpected balance. Review your explanation of benefits and available appeal or billing protections. Learn what to do after an ambulance claim denial.
MAKE THE GAP TANGIBLEIllustrative example
What could your ambulance bill cost you?
Enter a bill, then compare your estimated balance with and without EMS360.
Possible patient share$1,300
EMS360 eliminates eligible out-of-pocket costs under your selected emergency ambulance benefit.
Illustrative example; not a quote or claim decision. Assumes your insurer approves the full ambulance bill and coinsurance applies after the deductible. The EMS360 option assumes an active membership and an eligible emergency ambulance expense. Copays, denied charges, and legally permitted balance bills are not included in this calculation. Actual insurance payment and benefits depend on your coverage, applicable law, and Membership Agreement.
THE BIGGER PICTURE
Unexpected rides.
Real financial exposure.
44–51%
Out-of-network emergency ground rides
The annual share in Elevance’s commercial claims study, 2012–2025.
Ride-level data, not the percentage of all ambulance providers.
Elevance Health · July 2026 ↗+30%
Ground ambulance charges after medical inflation
Emergency ground charges rose about 30% after medical-inflation adjustment, 2012–2025.
Elevance commercial claims; billed charges, not patient balances.
Elevance Health · July 2026 ↗HAVE MEDICARE?
Medicare can leave a share of the bill, too.
With Original Medicare Part B, you generally pay 20% of the Medicare-approved ambulance amount after meeting the deductible. Supplemental coverage may reduce that responsibility. Understand Medicare ambulance coverage and costs.
Read Medicare’s ambulance coverage rules ↗20%Part B coinsurance
after the deductible
after the deductible
YOUR RIDE. YOUR MEMBERSHIP.
Compare ground & air
ambulance membership plans.
Choose Ground, Air, or Ground + Air for eligible emergency ambulance expenses. Then select Individual, Family, or Household coverage and compare monthly and annual prices.
Who would you like to cover?
How would you like to pay?
Individual covers you, the named member.
THE ROAD TO CARE
Ground
An emergency ground ambulance membership for eligible transport costs your health plan may leave you to pay.
$9/month
Individual · Billed monthly
Choose GroundEmergency ground ambulance
Eligible deductibles, copays & coinsurance
Eligible ground balance bills
No ambulance provider restrictions
For emergency ground transport to the nearest appropriate medical facility.
WHEN CARE NEEDS WINGS
Air
An air ambulance membership for eligible emergency helicopter or fixed-wing transport expenses.
$9/month
Individual · Billed monthly
Choose AirEmergency air ambulance
Eligible deductibles, copays & coinsurance
Helicopter & fixed-wing transport
No air ambulance provider restrictions
For emergency air transport to the nearest appropriate medical facility.
BEST VALUE · BOTH EMERGENCY BENEFITS
PREPARED FOR EITHER RIDE
Ground + Air
Combine emergency ground and air ambulance benefits in one plan for eligible expenses from either type of transport.
$16/month
Individual · Billed monthly
Choose Ground + AirEmergency ground ambulance
Emergency air ambulance
Both plans’ eligible out-of-pocket costs
No ambulance provider restrictions
One membership that combines the Ground and Air benefits.
Prices reflect the selected coverage and billing term, before applicable taxes or offers. Annual prices are set separately for each plan; compare the annual total with 12 monthly payments. Plans renew automatically unless cancelled before renewal. Benefits begin after successful enrollment payment. Eligibility, approved claims, exclusions, service area, and benefits are governed by the EMS360 Membership Agreement.
Compare all three memberships
| Membership benefit | Ground | Air | Ground + Air |
|---|---|---|---|
| Emergency ground ambulance | Included | — | Included |
| Emergency air ambulance | — | Included | Included |
| Eligible out-of-pocket costs | Ground | Air | Ground & air |
| Provider restrictions | None | None | None |
| Individual, Family & Household options | Available | Available | Available |
| Monthly or annual billing | Available | Available | Available |
| Non-emergency or travel assistance benefits | Not included | Not included | Not included |
SIMPLE WHEN YOU NEED IT MOST
How ambulance claims work.
Care first. Paperwork later.
Your emergency ambulance membership supports eligible transport costs after the ride. Call 911 when you need emergency care, then use your member portal to submit the ambulance bill and insurance decision.
Call 911 in an emergency
Let emergency professionals determine the care and transportation you need. There’s no need to contact EMS360 before calling 911.
Submit your documents
Upload the ambulance invoice, your insurance explanation of benefits (EOB) or decision, and required supporting records through your member portal.
Let us cover the costs
EMS360 reviews your claim and covers eligible expenses under your membership, so you can put your energy into recovery.
Medical emergency? Call 911. EMS360 is a membership company, not an ambulance service or emergency dispatcher.
FOR THE PEOPLE WHO MATTER
Ambulance plans for you.
Your family. Your household.
Each ground and air ambulance product offers Individual, Family, and Household options. Choose who to include while keeping the emergency transport benefit you want.
Choose your coverage
Individual
Just you, the named member.
Family
You, your spouse, and your dependent children under age 26.
Household
Everyone included in Family, plus up to three additional individuals who live full time at your address.
Covered people must be listed on your membership. Eligibility and any other conditions are defined in the Membership Agreement.
A SMALL BILL CAN BE A BIG BURDEN
An emergency expense
can strain a budget.
12%
Could not pay a $400 emergency expense
Of U.S. adults said they could not cover a hypothetical $400 expense by any means in 2025.
General financial readiness; not an ambulance-bill survey.
Federal Reserve · 2025 survey ↗A FEW THINGS TO KNOW
Ambulance plan FAQs.
Answers before you join.
Understand ambulance insurance gaps, membership benefits, covered people, and claims before choosing your plan.
Already a member? Visit your portal Explore all frequently asked questions
Why would I need this if I have health insurance?
Health insurance can cover an ambulance ride while leaving a deductible, copay, or coinsurance for you to pay. Ground ambulance balance bills may also be permitted depending on your coverage and state law. EMS360 covers eligible remaining emergency transport costs under your selected membership. Understand ambulance costs after insurance.
Is EMS360 insurance?
No. EMS360 offers emergency ambulance memberships. A membership supplements your financial protection and does not replace health insurance.
Does the No Surprises Act already protect me?
For many insured patients, federal law protects covered air ambulance rides from out-of-network balance billing. In-network deductibles, copays, and coinsurance can still apply. Ground ambulance rides generally fall outside those federal protections, although state protections may apply. Medicare and other public programs have their own rules.
What does each membership include?
Ground includes the emergency ground ambulance benefit. Air includes the emergency air ambulance benefit. Ground + Air combines both. These memberships do not include elective transfers, recovery travel, visitor travel, vehicle or pet return, or other travel assistance benefits.
Am I restricted to a particular ambulance provider?
No. The selected emergency transport benefit is not tied to a particular ambulance provider or membership network. Your claim still needs to meet the EMS360 Membership Agreement’s terms.
When do my benefits start?
Your membership becomes effective immediately after successful enrollment payment. There is no waiting period. Events occurring before your membership becomes effective are not covered.
How do renewals and cancellations work?
Monthly and annual plans renew automatically unless cancelled before renewal. A cancellation takes effect at the upcoming renewal; benefits continue through the paid membership term. Refunds require special approval. A failed renewal payment has a 30-day grace period.
Can I change my membership later?
Yes. Eligible upgrades take effect immediately after payment, with a prorated credit for unused value from the previous plan. The upgrade date becomes your new effective and renewal date. Downgrades take effect at renewal. Manage available options through your member portal.
Where can I use my membership?
These plans provide nationwide U.S. emergency ambulance benefits, subject to membership terms. Where benefits apply and where memberships may be sold are separate questions. Residency eligibility and state availability must be reviewed before enrollment.
Does EMS360 automatically pay a claim insurance denies?
No automatic claim approval is promised. Submit the ambulance bill, insurance decision, and supporting documents for review. EMS360 determines eligibility under its Membership Agreement, including when your insurer has denied a claim.
PREPARED FOR LIFE’S UNEXPECTED MOMENTSPrepare before the ride.
Prepare before the ride.
Choose your ambulance plan.
Compare emergency ground and air ambulance benefits, covered people, and billing options.
Compare ambulance plans Ground · Air · Ground + Air