Medicare covers ambulance rides, but only when they're medically necessary. Here's what's covered and what you'll pay.
When does Medicare cover ambulance transport?
Medicare Part B covers ambulance services when transportation in any other vehicle could endanger your health and you need to get to a hospital, critical access hospital, or skilled nursing facility for medically necessary care. This includes emergencies, such as severe bleeding, being in shock, or needing skilled care during transport. Medicare generally covers transport to the nearest appropriate facility able to treat you. You pay 20% of the Medicare-approved amount after your Part B deductible, and the ambulance company must accept Medicare. Air ambulance (helicopter or plane) may be covered if ground transport isn't possible or fast enough. Call 1-800-MEDIGAP at 1-800-633-4427 for help.
Non-emergency ambulance and your costs
Medicare can also cover non-emergency ambulance transport in limited cases, for example, if you're confined to bed or need vital medical services during the trip, such as ongoing monitoring, and your doctor provides a written order stating it's medically necessary. Routine transportation that isn't medically necessary, like a ride to a regular appointment when you could safely use a car, is not covered. Under Original Medicare you pay 20% after the deductible, and a Medigap plan can cover that coinsurance. Ambulance bills can be large, so understanding your coverage matters. Call 1-800-MEDIGAP for a free review of how to limit your costs.