Air Ambulance Insurance Coverage for Medical Flights
Reading through an insurance policy can be a challenge, often leaving the reader without a definitive answer whether air ambulance is a medically necessary, covered service. Angel MedFlight understands the intricacies of insurance policies and nuances of contract terms and conditions.
Our health insurance team has worked on thousands of claims, giving us the ability to expertly pursue reimbursement from the insurance company and explain the process to you along the way. With us taking the lead, you avoid the frustration of shuffling through mountains of paperwork, making futile telephone calls to the insurance company’s automated phone system, and interacting with its not-so-helpful claims handlers.
What We Do
Determine Coverage And identify benefits and exclusions
Prepare the Documents For insurance preauthorization for expedited approval
Appeal Denials On behalf of the patient if benefits are wrongfully withheld
Pursue Litigation If the insurance benefits are wrongfully withheld
How the Air Ambulance Insurance Claims Process Works
In most cases, we will submit a request for preauthorization of our air ambulance services to the insurance company. We may also prepare documentation – based on the patient’s medical condition and the attending physician’s recommendation – necessary to expedite the pre-authorization approval process with the insurance company.
In the event that coverage is denied or only partially approved, our team has the ability to appeal the insurance company’s decision. At Angel MedFlight, our health insurance experts assist our patients and their families by submitting a memorandum of points and authorities to the insurance company. The memorandum is supported by medical records, medical literature, and appropriate case law in an effort to overturn a coverage denial.
We understand that the circumstances surrounding a medical flight are difficult. During this time, you can trust Angel MedFlight to protect your rights to air ambulance benefits. Our commitment is to provide exceptional service to you, not only in the air, but also throughout.
“There are many circumstances where a patient might have coverage that is unknown to them…”
Commercial Insurance Companies
We can request pre-authorization and submit a claim to all commercial insurance companies and most government insurance programs for air medical services, including, but not limited to:
- Blue Cross Blue Shield (BCBS) Plans including groups such as Anthem, Health Care Services Corp. (HCSC), Premera and FEP (Federal Employees Program)
- United Healthcare
- Government Employees Health Associate (GEHA)
- Health Net
Coverage You May Not Know You Have
When a patient presents a financial hardship, the first step of our Flight Coordination team is to locate coverage. Air ambulance coverage is not just limited to health insurance plans, and Angel MedFlight works to identify multiple sources of insurance coverage in order to process difficult cases. There are many circumstances where a patient might have coverage that is unknown to them. Allow our dedicated team to complete an eligibility and benefits call so we can explore your rights to insurance coverage.
Here are some possibilities for potential coverage:
- If you or your loved one was in a motor vehicle accident (MVA), there may be coverage for air ambulance services – even if you were somehow at fault.
- Patients may not know they have coverage associated with their credit card or they may qualify for particular insurance like Crime Victim’s Compensation Fund.
- Injuries sustained that relate to prior workers’ compensation claims may still be active and cover air ambulance transportation.
Our Flight Coordinators Know That Every Moment Counts
When it comes to critical care patients, a moment can change everything.
No one understands that more than Angel MedFlight. That’s because every day our team works with case managers and families everywhere to help patients reach the life-changing treatment they need.