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Don’t fall victim to membership deception and money-making fraudsters – say “NO” to air medical memberships. Protect yourself and your financial well-being.
This law takes patients out of the middle of payment disputes between air medical services and health insurance companies, protecting patients from large medical bills when insurance companies underpay for these services. This eliminates the need for air medical memberships. If someone tries to sell a membership to you, say “NO.”
If you currently have a membership, CANCEL IT NOW.
Generate My Cancellation E-mail
The truth is, membership fees are used by membership providers for lobbying to retain memberships. Memberships are just a money-making scheme.
The truth is, hospitals typically submit their bills to insurance first, before the air medical transport provider does. Therefore, in most cases your deductible has already been met prior to your air ambulance bill being processed by your insurance carrier, resulting in no deductible payable for your air ambulance transport.
The truth is, air medical transportation is a covered benefit for both Medicare (Part B) and Medicaid patients. Medicaid patients have no deductible at all. And, if you are a Medicare beneficiary, there are many Medicare-approved and regulated Medigap policies that will cover any small deductible or copay required. Memberships, therefore, provide little, if any, actual benefit to you, the patient.
Less than 0.1%
Connie Hundley signed up for an AirMedCare membership plan and then required helicopter transport after being hit by an underinsured motorist while riding her motorcycle. Hundley’s insurance plan contained uninsured motorist coverage which provided her with a $50,000 general payment to cover her accident costs. Hundley’s auto insurance plan also provided $10,000 specifically for the air […]
Doris Pratt signed up for an AirMedCare membership plan and then required helicopter transport after a car accident in which she was severely injured and her mother was killed. Pratt’s health insurer paid $8,294 of Air Evac’s $18,249 bill. Despite her AirMedCare membership promise to waive all costs not covered by insurance, Air Evac placed a lien […]
Joan Concovich signed up for Air Evac’s membership plan and then required helicopter transport from an Illinois hospital to a Missouri hospital. Concovich’s insurance paid all but $150 of the $37,711, despite the AirMedCare membership promise to waive all costs not covered by insurance, Air Evac sought to collect the remaining $150 balance from Concovich. […]
You should be aware that when you purchase an air medical membership, the fine print often allows the membership provider to auto-renew your membership in perpetuity without your consent and with no chance of refunds. It is critical that you read your terms and conditions and protect yourself and your family.
Memberships don’t actually provide you with the financial protection that they claim. Membership providers rely on “woefully ambiguous” and “conflicting and confusing” fine print to retain their rights to collect full billed charges for air medical transports provided to members.
State legislatures and Departments of Insurance are beginning to look at how to protect citizens from deceptive membership programs. West Virginia recently passed a law (WV Bill is HB 2776) that will fully regulate membership as an insurance product, providing critical protections for consumers. And through the National Council of Insurance Legislators (NCOIL), additional states are investigating how to best regulate memberships to ensure that their citizens are protected.
* Actual out-of-pocket amounts vary depending on your health insurance plan, the plan’s copay, coinsurance and deductible requirements, and whether those have been met for the plan year.
Offered Nationally: Humana, Travel Ins., Plotkin Health, Tree Rivers Provider Network, United Mine Workers of America.
Medicaid & Medicare Offered Nationally
We’ve seen lower costs and better outcomes through our Patient Advocacy program and by working to increase insurance coverage for our services.
Visit our online patient & family center for all the resources and assistance you need to get you through this tough time.