Insurance Coverage Emergency Ambulance Trans
Plain English Summary
This bill requires health insurance plans in North Carolina to reimburse out-of-network ambulance services at a minimum rate of 100% of the local government rate (or 400% of Medicare rates if no local rate exists), and caps the patient's cost-sharing for emergency ambulance services at the lesser of $100 or 10% of the reimbursement amount.
Arguments in Favor
Supporters argue this bill protects patients from unexpected large bills when they use out-of-network ambulances during emergencies, since patients cannot choose which ambulance provider responds. The bill ensures ambulance services are fairly compensated, which supporters contend helps maintain adequate emergency medical services in rural and underserved areas, and prevents insurers from underpaying providers.
Arguments Against
Opponents may argue the bill increases insurance costs by requiring higher reimbursement rates, which could lead to higher premiums for all policyholders. Some insurers contend that 400% of Medicare rates is excessive and that market competition and negotiation should determine reimbursement rates rather than government mandates. There may also be concerns about whether the bill's protections could incentivize unnecessary ambulance use or reduce cost controls in the healthcare system.
AI-generated analysis based on bill text. Always verify with official sources at ncleg.gov. This is not legal or political advice.
Sponsors
Primary Sponsor
Representative · District 67
Primary Sponsor
Representative · District 109
Primary Sponsor
Representative · District 81
Primary Sponsor
Representative · District 75
Cosponsors (13)
Representative · District 52
Representative · District 53
Representative · District 84
Representative · District 115
Representative · District 5
Representative · District 106
Representative · District 23
Representative · District 102
Representative · District 44
Representative · District 61
Representative · District 88
Representative · District 60
Representative · District 101
Vote Breakdown (1 roll call)
Final Vote
On: Second Reading
Party Breakdown