January 24, 2013

Are You Covered? A Guide to Air Ambulance Insurance Coverage

By: Angel MedFlight Contributor
Scottsdale, AZ

Does your insurance policy cover air ambulance service? Angel MedFlight helps you uncover the truth.

Do you know everything that your health insurance covers? Better yet, do you fully understand your coverage and know what would be covered in the case of an emergency? If you're thinking "no" or "I don't know," you are not alone. The terms of your plan coverage, or "legalese", on any contact or agreement can appear to be a foreign language. Angel MedFlight claims department and legal team are in the business of dealing with insurance companies to ensure we can get you covered for your flight.

Plain speak, or plain language laws, have recently been enacted to clear up the misunderstanding of legal terminology. This law will mandate that all terms of agreements, contractual information, or fine print, will be written on a consumer level. This law assists patients in the comprehension of their coverage, but does not guarantee the claims process will be any easier.

At Angel MedFlight, we take our claims process very seriously as it is a valuable service for our patients. When insurance companies find grounds to deny coverage for medical transportation, it is the claims department that intervenes to uncover denial details and present validity in your claim.

In some cases, insurance companies have attempted to deny necessary air ambulance transportation. Robert VanPelt is the Senior Claims Specialist and the Director of Safety and Asset Management at Angel MedFlight. VanPelt has been in the Claims department for nearly 2 years and has experienced a variety of scenarios and claim denial attempts by insurance companies.

"We transport people because they need our services - at times, traveling by air ambulance is the only option for people needing to get from one place to another," said VanPelt. "The services we provide are world-class and second to none." VanPelt adds, "If a patient's insurance coverage does not cover the cost of the air ambulance, we do not 'balance bill'. In other words, we will not go after a patient for the remainder of the balance. That is what makes Angel MedFlight different and that is why I am passionate about what I do."

The Angel MedFlight claims process:

  • Flight Coordinators will contact your insurance company to obtain your eligibility and benefits report. Based upon the information in that report, they can determine if a preauthorization is required and what services will be covered in what circumstances.

  • The flight is scheduled and completed.

  • Once the flight is complete and the records are approved from the flight, the information is sent to the claims department to build a claim file.

  • The claims department will send all records of the claim to the insurance company to assist in expediting the claim process and maintains validity in each claim filed.

  • The claims department will follow up your claim with consistent communication with the insurance company until the claim is resolved.

Angel MedFlight's claims department is the buffer between the patient and the insurance company. They handle nearly all communication to make sure patients receive all of the coverage they are entitled to. If a patient's air ambulance claim is valid and denied coverage, the case moves from claims to legal - but that's a blog for another day.

Our patients know our commitment to getting them the treatment they require in their time of need.

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