It’s Saturday afternoon, you take a phone call from your employee’s wife, who tells you they are in the county hospital. Her husband, your employee, was just flown from their weekend camping spot, because he went head over the handlebars of his mountain bike and broke his collar bone, also the medical first responders were sure he had suffered a concussion. Her next question leaves you scratching your head and telling her you do know…but she needs to check with your human resources person. “Will his health insurance cover the costs of the air ambulance to the county hospital?” You are not sure, but you think it will.

Does my group health insurance cover my medical transport costs?
If an Emergency Medical Technician (EMT) crew or a medical doctor decides you are in need of emergency medical transportation they are going to order it and you are going to get either an air ambulance ride or transportation in an ambulance to the nearest hospital. No one will ask the question does his or her health insurance cover the expense of the transport. EMT’s and doctors are in the business of saving your life not insurance.

The answer to the question is yes, most health insurance companies provide some, but none of them cover the entire costs of transporting you to a hospital via air or ground. This service can run you anywhere from $5,000 to $75,000 or even more if you are out of the country. The typical health insurer may cover up to 30 percent of the