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How to Talk About Coverage

Most people assume that monthly health insurance will cover ambulance rides and other emergency transportation. Unfortunately, this is not true. During the last 10 years, huge gaps have opened up in most insurance plans. These gaps leave you exposed to unexpected out-of-pocket expenses and the increasingly-high costs of emergency transportation.

Loading into an ambulance

Out-of-Network Providers

There are over 10,000 ambulance companies operating in the United States and most health insurance will only cover a limited amount of in-network providers. The truth is, there’s no guarantee that participants will get picked up by an in-network provider. In fact, The New York Times reported that 71% of ground ambulance rides are billed by out-of-network providers. Essentially, that means you there is a 50/50 chance of being left responsible for a majority of the bill.

MASA memberships cover all emergency transportation providers in the United States and Canada, so there is never a need to worry about which ambulance company is called.

Insurance Will Judge the Reason for Your Trip

As insurance professionals, we know that insurance will only pay for an ambulance if a trip is deemed “Medically Necessary.” As a quick refresher, let’s remember that medical necessity is established when any other transportation method (besides an ambulance) would endanger the patient’s life.

Let’s say symptoms commonly associated with a heart attack prompt an emergency call that results in an ambulance ride to the hospital. If the health insurance decides the cause of the symptoms (perhaps indigestion, heartburn, or a panic attack) doesn’t meet their requirements for an ambulance, they could deny the claim and leave thousands of dollars as out-of-pocket costs.

Loading into an ambulance

Insurance Will Only Pay the Usual, Customary and Reasonable Rate

Even if picked up by an in-network ambulance and the claim is accepted by the insurance, we know to expect that the carrier will only pay the Usual, Customary, and Reasonable Rate.

You’re Still Responsible for Copays and Deductibles

Even if bills fall within the Usual, Customary, and Reasonable Rate, we know most insurance plans require the individual to cover copays and deductibles.

Depending on the plan, with deductibles as high as $8,000 and regardless of other variables, employee participants can automatically be on the hook for hundreds to thousands of dollars to
fulfill an insurance plan’s requirements.

MASA MTS will take care of all out-of-pocket costs, including copays and deductibles.


According to CNBC, two-thirds of people who file for bankruptcy cite medical issues as a key contributor to their financial downfall. The same article claims that “what most people don’t realize is that their health insurance may not be enough to protect them.” It’s estimated that 530,000 families turn to bankruptcy each year because of medical issues and bills.

Think of MASA like a financial safety net. Our low, monthly fee is designed to save tens of thousands of dollars in the event of an accident or emergency.


EVERY YEAR Due to Medical Issues & Bills.

A recent study from Bankrate (personal finance website) found that only 40% of Americans have enough savings set aside to cover a $1,000 emergency expense. The average charge of a ground ambulance is well over $1,500. Emergency air flights can cost as much as $50,000 or more.

Not everyone can set aside thousands for medical emergencies. Most people don’t even plan for them at all. That’s just one of many reasons why affordable monthly coverage is a great way to protect employees and their families. Even with established considerable savings, a single emergency to drain an account and negate years of hard work. The truth is, everybody needs emergency transportation coverage. Complete peace of mind is worth the cost alone, but when considering the added financial protection, it’s a no brainer.

Ever since 2010, huge gaps have opened up in modern health insurance. Most plans provide insufficient coverage when it comes to emergency transportation. Even the best insurance companies will only cover a limited-amount of in-network providers. Unfortunately, there’s no guarantee an in-network ambulance will be called to provide care and delivery to a medical facility. .

MASA fills the gaps left by modern health insurance, providing financial protection if the employee or a member of their family needs emergency transportation.

When emergencies happen, the last thing you want to worry about is whether or not the ambulance is in-network. In most cases, there is no control over who renders services.

MASA MTS covers ALL ground and air ambulance providers in the United States and Canada. As MASA members, there’s never a need to worry about which ambulance company picks you up.

With MASA MTS, the employee participant can feel confident they’ll receive immediate help when an emergency strikes without the worry of out-of-network costs.

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Employers can choose from a variety of methods for addressing the cost of coverage. You can either:

  1. Employer Paid
  2. Cost Share at Any Level
  3. 100% Employee Paid Via Payroll Deduction