Deductible
The amount you must pay for eligible care before your insurance begins paying certain benefits. An ambulance ride can use part—or all—of your remaining deductible.
UNDERSTAND THE INSURANCE GAP
The ambulance arrives.
Then the bill does.
In an emergency, you need the right care as quickly as possible. Understanding what your health plan may leave behind helps you prepare for the financial side, too.
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TWO DIFFERENT QUESTIONS
“Is it covered?”
And “what will I owe?”
A covered ambulance service may still involve personal cost sharing. These are the common pieces of the bill to understand.
Copayment
A fixed amount your health plan may require you to pay for a covered service. Look for the ambulance benefit in your plan’s coverage documents.
Coinsurance
Your percentage of the allowed cost after any applicable deductible. That percentage can matter even when the insurer approves the ride.
Balance bill
A provider’s charge beyond what your insurer recognizes or pays. Whether you can legally be billed depends on the service, your coverage, and federal or state protections.
WHAT PEOPLE WOULD DO
The cost can remain.
So can the borrowing.
37%
Would use something other than cash alone
Would not cover a $400 expense entirely with cash, savings, or credit paid off at the next statement in 2025.
A payment-choice measure; it does not mean 37% lack $400.
Federal Reserve · 2025 survey ↗AN EXAMPLE YOU CAN EXPLORE
A percentage can become
a meaningful expense.
Try the illustration with an allowed transport amount, a remaining deductible, and a coinsurance percentage. These inputs show cost sharing, without assuming every charge on a bill is legally owed.
The Membership Agreement determines which costs EMS360 can cover. The illustration does not calculate a membership payment or guarantee claim approval.
Explore emergency transport benefitsMAKE THE GAP TANGIBLEIllustrative example
What could be left to 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.
GROUND AND AIR ARE DIFFERENT
Know the protections.
Know what can remain.
Ground ambulance rides
Ground ambulance services generally fall outside the federal No Surprises Act’s balance billing protections. Some states provide protections, and the rules may depend on your health plan.
Deductibles, copays, and coinsurance can still apply. Check your health plan’s ambulance benefit and your state’s rules rather than assuming an emergency ride is fully paid.
Air ambulance rides
For many people with private insurance, the No Surprises Act protects covered out-of-network air ambulance services from balance billing. In-network cost sharing can remain.
Air membership protection addresses eligible remaining expenses under its terms. Having a membership does not mean giving up your insurance or billing rights.
Learn more directly from CMS about billing protections ↗.
ORIGINAL MEDICARE PART B20%of the Medicare-approved amount
after the deductible
after the deductible
MEDICARE IS NOT ALWAYS THE WHOLE ANSWER
Check your actual coverage.
Original Medicare Part B generally leaves 20% of the approved ambulance amount to you after the deductible. Medicare also applies medical necessity and destination requirements.
Medigap or other supplemental coverage may reduce your responsibility. Medicare Advantage plans have their own benefit and cost-sharing details. Review the coverage you actually have before deciding what gap you want to address.
Read Medicare’s ambulance coverage information ↗WHERE EMS360 FITS
One specific purpose.
Less financial uncertainty after an emergency ride.
EMS360 focuses on eligible emergency ambulance costs. Choose Ground, Air, or both; then choose who your membership includes.
Provider independence
The selected benefit isn’t tied to a single ambulance provider or membership network.
Immediate effective date
Benefits begin after successful enrollment payment, with no waiting period.
People, not just a product
Individual, Family, and Household options let you decide who to include.
BEYOND INSURANCE
An emergency buffer
isn’t a given.
18%
Less than $100 in emergency savings capacity
Of U.S. adults said their largest emergency expense payable from current savings was under $100 in 2025.
Savings capacity only; other payment methods may be available.
Federal Reserve · 2025 survey ↗YOUR NEXT STEP
A little preparation. A lot of peace of mind.
Choose the emergency ambulance membership that fits your life.
Find my membership Ground · Air · Ground + Air