Medical Transportation Coverage

Even if health insurance covers part of your bill, there are many scenarios where they may not cover the total cost. The ambulance that picks you up may be out-of-network, the reason for your trip may not be deemed a medical necessity or you might still have to meet your health insurance deductible.

Most insurance plans only cover in-network ambulance companies. Even if you’re heading to an in-network hospital, the ambulance itself could be out-of-network and leave you with a “balance bill”. MASA offers coverage for ALL ambulance companies operating in the United States and other coverage areas, including Canada, Mexico, the Bahamas, Bermuda and the Caribbean (excluding Cuba). 99% of the time, our participants are left with a $0 balance after any ambulance trip.

Medical necessity is established when the patient’s condition requires emergency transport and any other means of medical transportation solutions (besides an ambulance) would endanger the individual’s health. Sounds pretty vague, right? In many situations it is, which is why it’s so important to protect yourself with comprehensive coverage like MASA. Say you’re experiencing symptoms commonly associated with a heart attack and end up taking an ambulance to the hospital. If your health insurance decides that the cause of your symptoms (perhaps indigestion, heartburn, or a panic attack) doesn’t meet their requirements for an ambulance, they could deny your claim and leave you on the hook for thousands of dollars. At MASA, we address your medical transport claims, even if your health insurance denies them.

At MASA, we work with all emergency transportation providers. In the event of an emergency, simply call 911 and get to the hospital. When you receive the bill from the ambulance company, just send it to us. There are thousands of ambulance companies operating throughout our coverage area. When you become a MASA member, you are effectively covered by all of them.

MASA approves more than 99% of all emergency claims received. So, the chances of your emergency claim being denied is very low.

No. In the event of an emergency, call 911 and get yourself or your loved one to the hospital. Later, when you receive a bill from the ambulance company, simply send it to us. However, if you are in stable condition and the doctor wants to send you to a different medical facility for specialized care, call us and we will help to facilitate transportation.

Yes. The basic coverage area for MASA includes the United States, Canada, Mexico, the Caribbean (excluding Cuba), the Bahamas, and Bermuda. If you plan to travel outside these areas, please provide us with your itinerary 10 days before your trip and we will adjust your global medical transportation coverage.

The best way to figure out which plan is right for you is to schedule a one-on-one consultation by requesting a call back. Our friendly and knowledgeable representatives will guide you through every aspect of MASA coverage and help you identify the gaps in your current coverage. You can also call us now at 1-866-615-4075.

You should call MASA after you receive a bill from any emergency medical transportation solution. You should also call if you’re hospitalized more than 100 miles away from home, are in stable condition and need:

• To go to a different hospital.
• A family member or friend by your side.
• To be returned home after an emergency while traveling.
• A pet, vehicle, RV, or motorcycle returned home after using MASA benefits.
• To get your children or grandchildren home after using MASA benefits.