I got off the phone with my insurance company who could not give me a definite answer as far as this particular scenario goes.
Last month I called an ambulance for a panic attack that felt like a heart attack. The EMTs came and did tests in their ambulance parked in front of my house. They told me that I was fine (my heart rate was elevated but there was no cause for concern or any health issue) but still urged me maybe I should go to the hospital to get checked out. I refused and signed the form saying that I was voluntarily refusing, as I did not want to stay at the hospital for what I now knew was just a panic attack.
I will note that during the time with the EMTs, I did not give any information and they did not ask for any insurance information. Fast forward to this week, I received a bill from the ambulance company for over $1,000+ for the service they did in my driveway.
Here's where I'm confused:
My healthcare covers "Emergency Medical Transportation" with a co-pay of $150. When I told my insurance providers of the scenario they told me "well if they did work on your at your house then drove you to the hospital, we would get a bill from them and you'd pay $150", to which after I asked them "so if they did the same thing they did for me at my house then drove me to the hospital it would be $150, but since they didn't drive me, they're charging me $1,500 and you don't know if you could cover that?"
She eventually told me that some ambulance services are out of market and could charge whatever their rates are for the call.
I feel like I missing something here. Surely "Emergency Medical Transportation" just means services by an ambulance, which my insurance should cover for $150 after I contact the EMT services, but I can't find any other information on this specific scenario elsewhere online or on my insurance provider's website/EOB.
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