Due to the nature of modern health insurance, there’s a 50/50 chance that you could be responsible for a large portion of your emergency transportation bill. 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.
There are over 10,000 ambulance companies operating in the United States. Some companies are run by cities and states, others are run by local or national companies. 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 MTS 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 members are left with complete peace of mind after any ambulance trip.
In order for health insurance to accept an emergency medical transport claim, they first need to decide whether or not the ambulance trip was a medical necessity. 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 MTS. 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 MTS, we address your medical transport claims, even if your health insurance denies them.
The beauty of MASA is that we work with all emergency transportation providers. In the event of an emergency, simply call 911 and get yourself or your loved one to the hospital. When you get the bill from the ambulance company, just send it to MASA. There are thousands of ambulance companies operating throughout the United States and Canada. When you become a MASA member, you are effectively covered by every ambulance company within either country.
- No health questions
- No age limits
- No claim forms (bills must be submitted within 180 days)
- No deductibles
- No network limitations
- No dollar limits on emergency transport costs
- Worldwide coverage
- Coverage for pre-existing medical conditions
The short answer is NO. We have never denied an emergency medical air service claim and have denied less than 1% of all ambulance claims. Only extreme cases where members abuse the privileges of their MASA MTS membership will end up with a denied claim.
The average cost of a ground ambulance is $1,100 and the average cost of an air ambulance is $20,000. Depending on which provider picks you up, the personnel on board and the amount of miles you travel, your bill can get extremely expensive. In some cases, patients are transported to an air ambulance via ground ambulance. In those situations, the patient is responsible for both ambulance bills. In regards to long-distance flights, your bill can easily exceed $50,000.
Yes! Our goal is to leave you with complete peace of mind. We will cover all copays, even if you haven’t met your deductible.
You should call MASA Global 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.
- To be returned home after an emergency while traveling.
Platinum Coverage Area
The basic coverage area for MASA Platinum Members includes the United States, Canada, Mexico, the Caribbean (excluding Cuba), the Bahamas and Bermuda. If you travel outside these areas, please provide us with your itinerary 10 days before your trip and we will adjust your global medical transportation coverage.
Emergent Plus Coverage Area
The basic coverage area for MASA Emergent Plus Members includes the United States and Canada.
MASA MTS covers you, your partner and all children under the age of 26 in your household.
One of the great things about MASA is that you never need to wait for an enrollment period. MASA can be offered at open enrollment, during new hire onboarding and during off-cycle enrollment events. Employers can offer MASA MTS anytime throughout the year!
MASA MTS offers a variety of options for companies and individuals to purchase coverage. You can provide coverage by taking on the full cost, you can participate in cost sharing, use payroll deductions, or bundled MASA MTS into your benefits package.
Filing a claim with MASA MTS is extremely easy. Simply send the ambulance bill to MASA MTS with your member number clearly written on the front. You can either email your bill to firstname.lastname@example.org, fax it to 817-681-2399, or mail the invoice to: MASA MTS – Claims Department, 1250 S. Pine Island Road, Suite 500, Plantation, FL 33324. You can also log in and upload your bill or check the status of an existing claim in the “Members” section of our MASA MTS Web site.
MASA MTS is a flexible and easy addition to any benefits package. You can offer MASA MTS separately or add it to your general health insurance. Our coverage is now necessary for most Americans, which is why we price it so affordably. Not only do we protect your employees from financial ruin, but also offer complete peace of mind.
Workman’s Compensation provides health benefits to employees who suffer an illness or work-related injury while on the job. MASA MTS covers your employees on the job, at home or on vacation, during any situation that requires emergency transportation.
Our MASA representatives specialize in reviewing coverage and identifying dangerous gaps. Click here to set up a consultation and we can point out where you and your employees are most exposed. Our representatives can also walk you through different coverage options as well as answer any questions you may have.
Comprehensive emergency coverage is the best way to protect employees from excessive medical bills. Most modern health insurance plans feature dangerous gaps in coverage. One of the biggest and most surprising gaps deals with emergency transportation. MASA MTS protects your employees from all emergency transportation charges. It is important to note that all medical bills will first go through your employee’s current health insurance plan. MASA will then take all emergency transportation bills and leave them with complete peace of mind. We will also pay for copays and deductibles associated with emergency transportation. MASA MTS will not pay for treatment bills once the employee reaches an appropriate medical facility.
Yes we do! All coverage options are available at affordable rates for self-insured employers.
You do not have to work with an insurance broker to receive MASA coverage. We can work directly with individuals, employers and brokers as well.
Absolutely. If you would like to send more information to your insurance broker, please share this link with them.
Yes. Payroll deduction is one three different ways you can set up payment for MASA MTS coverage.
Insurance offered by local ambulance providers will only help your employees in the event they are picked up by that local provider. MASA MTS 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). With over 10,000 ambulance companies operating in the United States, the chances of you getting picked up by only one provider are very slim.