Does Medicare Cover Ambulance Services?

During a medical emergency, getting to the hospital quickly can be a matter of life and death. While friends or family might offer to drive, an ambulance is often the safest option when you're facing a serious situation. On top of being a fast and safe method of transport, ambulances come with EMTs and equipment that can help provide some emergency and first aid assistance during the ride. That said, ambulances can be expensive! That’s why many people wonder: does Medicare cover ambulance services?

Medicare Part B does cover emergency ambulance transportation when you need to reach a medical facility quickly and other transportation options aren't safe for your condition. Here's how the coverage works.

After you meet your Part B deductible, Medicare pays 80% of the Medicare-approved amount for the ambulance ride. You're responsible for the remaining 20% of costs. If you have a Medicare Supplement (Medigap) plan, it will reduce your out-of-pocket costs—your exact savings depend on the plan you’re enrolled in.

For Medicare to cover your ambulance transportation, you need to meet two key requirements:

1. The service must be medically necessary due to an emergency

2. An ambulance must be the only safe way to get you to medical care

If you have a Medicare Advantage plan instead of Original Medicare, your costs may be different. These plans often have their own copay structure for ambulance services, and some may not require a copay at all.

Does a Medicare Supplement (Medigap) plan cover ambulance transport?

Medicare Supplement plans (also called Medigap plans) work with Original Medicare to reduce your out-of-pocket costs. While each Medicare Supplement plan covers different costs, they all help to reduce hospital costs and your share of costs for outpatient services. 

For ambulance coverage specifically, once you’ve met your Part B deductible, Medicare pays for 80% of the cost of the ride for emergency situations. Your Medigap plan will pay for some or all of your coinsurance (the remaining 20% of costs). Consult our Medicare Supplement chart to see what costs are covered by each plan type.

Do Medicare Advantage plans cover ambulance rides?

Medicare Advantage plans must cover emergency ambulance rides, and they often also cover non-emergency rides. Every Medicare Advantage plan is different, so your costs will depend on your policy. 

‌Does Medicare cover non-emergency ambulance transportation?

When medically necessary, Original Medicare may cover non-emergency ambulance services. The most common scenario for non-emergency ambulance transportation is for transport from a hospital to a skilled nursing facility. 

Medicare only approves non-emergency ambulance services when there’s no other safe way to get you to a healthcare facility. If you could safely travel by wheelchair van or car, Medicare may not cover the ambulance service.

For scheduled, non-emergency transportation, Medicare may require prior authorization if you need:

• Three or more round trips in a 10-day period

• At least one round trip per week for at least three weeks

Either you or your ambulance company can request prior authorization to ensure Medicare will cover the service. The ambulance company can submit a request before the fourth round trip in a 30-day period.

Keep in mind that you may still be responsible for copayments or coinsurance for non-emergency ambulance services. Getting prior authorization helps confirm your eligibility for coverage, but does not eliminate all costs.

Will Medicare pay for medical transportation?

Medicare pays for ground ambulance transportation in both emergency situations and certain non-emergency situations.

In some cases, Medicare will also authorize air ambulance transportation, particularly when:

• Ground transportation cannot reach you quickly enough

• You're in a rural area far from the nearest hospital or critical access hospital (CAH)

• Geographic obstacles like impassable roads or heavy traffic would prevent timely ground transport

Medicare beneficiaries in rural areas often face unique challenges due to distance from medical facilities. When necessary, Medicare covers both ground and air ambulance transportation to a critical access hospital in the region. Because these trips may involve distances of 35 miles or more, Medicare pays for the actual cost of transport by ambulance suppliers. 

With many rural hospitals closing due to budget issues, Medicare continues to pay for ambulances to ensure medical services reach underserved populations.

When might Medicare deny an ambulance claim?

In some situations, Medicare might refuse to pay an ambulance claim. Medicare may deny coverage when:

• Your medical condition does not require emergency ambulance transport

• You are transported to a medical facility that is not Medicare-certified or does not accept Medicare

• You choose to be transported to a facility closer to your home, but your condition does not require emergency transport

• You request transportation for social reasons, running errands, or other non-medical trips

• You choose transportation from a non-emergency service provider, such as a wheelchair van or taxi service

For non-emergency situations, you may be asked to sign an advance beneficiary notice (ABN), indicating you understand you may be responsible for any charges Medicare won't cover.

What if Medicare doesn’t pay for your ambulance?

The average cost of an ambulance trip is $450, but it can exceed $1,000.

If Medicare denies your claim for an ambulance ride, you'll be responsible for the cost. You'll see this denial on your Medicare summary notice. However, you can appeal the decision by writing a letter explaining why the services were medically necessary.

To support your appeal, you should include:

• A written order from your doctor stating why ambulance transport was medically necessary

• A statement explaining whether the ambulance transportation was for an emergency or non-emergency situation

• Relevant medical records showing your condition, treatment requirements, and other pertinent medical information

• Details about the destination, including the name and address of the hospital, skilled nursing facility, or other medical facility that provided (or will provide) necessary medical services

• Information about your condition and why you couldn't use other forms of transportation

• Information about the ambulance provider, including their name, address, and National Provider Identifier 

Ambulance services are an important part of your medical insurance coverage because they provide emergency and non-emergency transportation when you need it.