Good questions.
More complete answers.

EMS360 offers memberships that address eligible out-of-pocket emergency ambulance expenses. Choose Ground, Air, or Ground + Air, and review the Membership Agreement for the complete terms.

No. An EMS360 membership is not insurance and does not replace your health insurance. It addresses a specific financial gap for eligible emergency ambulance transportation.

Ground includes the emergency ground ambulance benefit. Air includes the emergency air ambulance benefit, including eligible helicopter and fixed-wing transport. Ground + Air combines those two benefits in one membership.

Eligible costs can include the selected benefit’s deductibles, copays, and coinsurance. The Ground benefit can also address eligible ground balance bills where legally permitted. All expenses and events must qualify under the Membership Agreement.

No. The selected emergency transport benefit does not require a particular ambulance provider or membership network. The event, destination, and expenses must still meet membership terms.

The law protects many covered air ambulance services from out-of-network balance billing, but in-network cost sharing can remain. Ground ambulances generally fall outside federal balance billing protections, while some state protections may apply. Medicare and other public programs have different rules.

These three products focus on emergency ambulance transportation. Elective recovery transfers, visitor travel, home-return travel, vehicle or pet return, organ transport, and other travel assistance benefits are not included.

These plans provide nationwide U.S. emergency ambulance benefits, subject to membership terms. State residency eligibility for purchase is a separate question and must be reviewed before enrollment.

Review your actual coverage first. Original Medicare Part B generally has 20% coinsurance for covered ambulance services after the deductible, and supplemental insurance may reduce your responsibility. Medicare Advantage benefits and cost sharing depend on the plan.

Individual coverage includes you, the named member.

Family includes you, your spouse, and your dependent children under age 26, subject to the Membership Agreement.

Household includes everyone eligible under Family, plus up to three additional individuals who live full time at your address. Covered people must be listed on the membership roster.

Have each person’s first name, last name, and date of birth ready. Additional household members must meet the full-time residency requirement. Use the member portal to keep your roster accurate.

No. Living at the same address does not automatically place someone on a membership. Choose the appropriate coverage type, list each eligible person, and review the Membership Agreement’s conditions.

Benefits become effective immediately after successful enrollment payment, with no waiting period. Events before your membership’s effective date are not covered.

Yes. Each product and coverage choice offers monthly and annual billing. Annual prices are set separately for each plan. Compare the annual total with 12 monthly payments; the plan cards show any savings or additional cost for your selection.

Yes. Your plan renews automatically on the selected schedule unless cancelled before renewal.

Cancellation takes effect at the upcoming renewal. Benefits continue through the paid membership term, subject to the Membership Agreement. Cancel before renewal to avoid renewing for another term.

Refunds require special approval. Do not assume that cancelling creates a refund for the unused part of a paid term.

Eligible upgrades take effect immediately after payment, with a prorated credit for unused value from the previous product. The upgrade date becomes your new effective and renewal date. Downgrades take effect at renewal. Review the available change and its timing in the member portal.

There is a 30-day grace period for a failed renewal payment. Update the payment information promptly; a grace period does not forgive the payment or permanently extend an unpaid membership.

The website and checkout currently provide an enrollment preview. Payments remain disabled while enrollment requirements are finalized. No charge or active membership is created by browsing or choosing an option in preview mode.

No. In a medical emergency, call 911 immediately and follow the emergency professionals’ guidance. EMS360 is not an ambulance operator or emergency dispatcher.

Sign in to the member portal, open the claims section, describe the transport, and upload the ambulance invoice, insurance EOB or decision, and supporting information. Refer to the Membership Agreement for exact documents and deadlines.

An EOB is your health plan’s explanation of how it processed a claim. It may show the allowed amount, insurer payment, and patient cost sharing. It is not itself the ambulance provider’s bill.

Submit the ambulance bill, insurance decision, and supporting information for review. An insurer’s denial does not automatically approve or deny your EMS360 claim; eligibility is determined under the Membership Agreement.

No. EMS360 reviews claims for eligibility under the selected product and Membership Agreement. It may need additional documents before making a decision.

Keep the provider invoice and proof of payment. Submit them with the insurance decision and explain that you have already paid. The Membership Agreement governs any eligible reimbursement.

Review membership details, manage covered people, access plan documents, submit claims, follow claim updates, and review available billing changes. Sign in with the account associated with your membership.

The administrator portal is linked in the website footer. It is intended for authorized EMS360 staff; the link does not grant administrator access. Open Admin Portal.