Every insurance plan is different and is a contract between the patient and the insurance company. North Flight Aero Med does not check insurance status in a medical emergency. We take care of the patient.
However, North Flight Aero Med is a participating provider, which helps limit the out of pocket costs for our patients. As a participating provider, we have agreements with all of the major insurance companies and payers in the state of Michigan. This means we accept a pre-determined reimbursement for services rendered, whether that is a scene response or a facility transfer. Insured patients who receive air transport are only billed for a co-pay, deductible, or any non-covered portion of the service. Our billing office works with the insurance company to obtain the best reimbursement allowed under the patient’s policy.
If time permits, it’s always a good idea to contact your insurance company to review your ambulance coverage and ensure you have air and ground coverage. You should also ask about any special requirements that may need to be met. Usually, there is a phone number on the back of the insurance card.
Three questions insurance companies often consider when deciding to pay any air or ground ambulance bill include:
- What does the specific policy cover?
- Is it medically necessary for this transfer to take place?
- Is the transfer being made to the closest facility that can take care of the medical condition?
For more information, contact our Flight Communications Center at 1.800.922.6170 or email. Our billing office can be reached by phone at 1.800.858.7141, ext. 1 or email.