Does health insurance cover ambulance rides? 
Ambulance rides , or any other emergency medical transportation , including vehicles equipped for land , air or sea , may be covered by your health plan . Coverage may vary from plan to plan and may be subject to your deductibles and coinsurance . Also , whether your ambulance service provider is considered in network or out of network may also affect your coverage . There may also be restrictions on whether or not the transportation is deemed medically necessary or not . If the service provided was deemed not medically necessary , or does not meet the definition of medical necessity , you may be responsible for the full amount of the service provided . If you have received emergency ambulance services and receive a bill , be sure to submit it to your health insurance company to seek payment or reimbursement . Also , there could be a limit , or cap , to what your insurance company may pay . So even if you do have coverage , you may still be responsible for a portion of the bill even after your deductible and coinsurance is paid . Be sure to read your Medical Policy , usually a booklet or pamphlet that your health insurance provider sends with your policy . If you do not have one , call the Customer Service Number , or many companies have the information online . 