Tag: insurance coverage

Do Air Ambulance Service Companies Carry Insurance?

In today’s society, it seems that everyone is concerned about insurance and liability. No, this article is not focusing on health insurance coverage for services involving the transportation of a patient with an air ambulance. We are focusing here on liability insurance and malpractice insurance coverage that should be in place for each air ambulance.

Just like every motorist who drives a car should possess liability insurance, each air ambulance should carry liability coverage. An air ambulance should carry at least a minimum of $20 million in aircraft liability coverage. Of course, patients would never hope to need to worry about such coverage, but knowing that the air ambulance service carries this coverage can be reassuring and provide confidence for the client. Companies who carry the appropriate amount of coverage indicate their reputation.

Just like any doctor’s office or medical transport service that travels by ground, medical malpractice insurance coverage is essential. Patients and their families long to avoid the worries about a malpractice situation, but in reality, the risk does exist. For this reason, each air ambulance should have a minimum of $1 million policy for medical malpractice coverage. Again, no one wants to use such coverage, but knowing that an air ambulance company carries such excellent insurance, will help to ensure that the air ambulance service is reputable.

As you would feel uncomfortable traveling with a motorist who didn’t carry the appropriate insurance coverage, you would want to reconsider traveling with an air ambulance service who discards the need for liability insurance. Likewise, all good doctors carry malpractice insurance. Air ambulance companies should do the same.

As you compare companies that provide air ambulance services, you may want to consider checking in on the coverage amounts for both liability aircraft insurance and medical malpractice insurance. Air ambulance companies are not required to give out pertinent insurance information, but reputable companies will be happy to answer any and all of your questions about their insurance coverage and minimums. Some companies will provide a standard copy of information regarding liability and medical malpractice insurance coverage with the other paperwork that is involved with the processing information to request air ambulance service.

All reputable air ambulance companies and organizations have the best interest of the patient at heart. These air ambulance services will undoubtedly be eager to discuss and explain any questions or concerns you have in regards to their levels of liability and medical malpractice insurance. If the air ambulance company is unwilling to discuss this with the patient or the family, then it may be advisable to look to another company that will help to ease your concerns.

It is Important to find an air ambulance service that makes you feel the most at ease. During this time of medical necessity, stress can be high. Knowing that the patient is being transported by an air ambulance service that is responsible and carries excellent insurance coverage can provide insight into the type of organization it is. A reputable company will do their utmost best to provide assurance to everyone involved to create an environment of peace of mind for their clients.

Will Insurance Cover Air Ambulance Transport?

Air ambulance transportation can be extremely expensive. The cost of one trip in an air ambulance can take a chunk out of the wallet and savings. In some instances, an air ambulance transport can cost over $100,000. With such extreme fees, it seems that people can’t afford to be critically ill or injured. Will insurance cover such high rates for air ambulance transport?

In many cases, insurance companies will cover air ambulance transport when it is deemed medically necessary. The insurance company may not cover every aspect of the transport, but the patient will not be left fully responsible for the charges. It is important to learn exactly what your insurance will cover and under what circumstances.

The key term here is “medically necessary”. If the doctor feels the patient must be transported by air to another health care facility to receive proper treatment, then the insurance company will typically go along with the charges and pay for the air ambulance transport of the patient. On the other hand, if someone is hurt or ill while out of the country and simply wants to fly home for treatment, the insurance company may not look upon this situation very favorably.

In such a case, the patient may be left vulnerable to all incurred charges for the air ambulance service. To protect yourself from this situation, it is possible to purchase air ambulance coverage while traveling. Such insurance is often reasonably priced in annual or monthly installments on an individual, family, or group basis. This type of coverage will protect you, your family, and your wallet.

Typically, the air ambulance service coverage is not only reasonably priced, but available to nearly everyone. Consumers are often concerned about exemptions and denials for pre-existing conditions, but frequently there are no such exclusions in this type of coverage.

When a patient requires air ambulance services, it is standard procedure for the air ambulance company to secure payment prior to the flight whenever possible. If it is not possible to prove that insurance coverage for air ambulance service can be secured, the patient or a family member must pay the charge up front in the form of a credit card, wire transfer, money order, or other verifiable payment. For many families, coming up with this large sum of money would not only be difficult, but nearly impossible.

Keeping this in mind, it is important for you to learn what coverage you have for air ambulance services. If you are unsatisfied with the current coverage the insurance plan offers, it may be time to consider other options to protect your finances in the event of an emergency. During a medical emergency, stress is high for the entire family.

Although no one wants to use air ambulance transport, it is important to concern yourself now with this issue. Contact the insurance company today to verify the ins and outs of coverage for air ambulance transport before you really need this service. Your health and your wallet may depend on this information in the future.

What is the Cost of Air Ambulance Transport?

If you or someone you love will be needing air ambulance transportation in the foreseeable future, then it is time to start doing a little homework. It is important to start compiling a list of air ambulance services that will be able to meet the needs. After comprising a list of potential air ambulance transport companies, it is time to compare costs. Just like any other business or service, prices will vary.

There are many variables that can affect the cost of air ambulance transport. You can receive quotes from contacting the air ambulance service company yourself or by contacting a broker. Do be aware that the broker will find the lowest cost possible, then add an additional fee for his or her services to the cost. Whenever possible, it is wise to deal directly with the air ambulance service company.

The type of aircraft needed for the transport will directly affect the cost of the air ambulance service. It is important to know the distance of the flight before deciding on a specific type of aircraft. Cost alone should not determine the aircraft used for transport of the patient.

Another factor that influences the cost of the air ambulance service is the number and type of medical staff needed for the flight. If the patient requires two trained people on board, the cost may be dramatically less than a patient requiring an entire specialized medical team.

Frequently, the cost of the air ambulance transport will include the fee for ground transportation to and from the aircraft. This is commonly referred to as bedside to bedside service. Also, the cost often includes the cost of any additional passengers where applicable.

Many private insurance companies will cover the cost of air ambulance transportation if it is deemed to be medically necessary. It is wise to check with your insurance provider before calling to make arrangements for the air ambulance transportation, if possible. If it is unable to prove coverage for the service before the time of the flight, secured payment is usually required. For most companies, acceptable forms of payment include major credit cards, wire transfers, certified checks, or money orders for the amount of the flight.

The actual cost of the air ambulance transport can range widely. Typically, the fees run between $10,000 and $100,000.

Due to the extreme expense of the air ambulance transport, it is advisable to compare costs whenever possible. If the patient has insurance coverage, learn the facts about what air ambulance transportation costs are covered and under what conditions. Dealing directly with the air ambulance service company can be a method for saving money by doing a little research on your own.

A broker can locate air ambulance service, but will charge additional fees. Be specific about details such as needed medical staff and type of aircraft when asking for quotes. Also, learn what specifics are included in the cost when making the decision to select one air ambulance service company over another. With a little research, patients and their family can get the best service at a great value.

How to Choose a Chiropractor

If you suffer from pain, discomfort, and difficulty moving, you can head to your primary care physician or your medicine cabinet. These approaches do work, but only temporarily. You want to do more than just treat the symptoms of pain. You want to find its cause and fix it. This is where chiropractic care can and should come in.

What is chiropractic care? It is a natural form of medical care. Patients can seek relief from a wide range of aliments, including arthritis, sleep difficulties, allergies, headaches, joint pain, joint stiffness, and so forth. As for how it differs from traditional forms of medical care, chiropractors believe in an all-natural approach. Relief is sought though manual therapy, which involves use of the hands. Common treatments include realignments and adjustments. Chiropractors use precision and force to thrust a joint into its proper position.

Since chiropractic care has many benefits, you may want to seek treatment. When that time comes, you need to find chiropractors in your area. First, examine your options. You can do so by looking in the yellow pages of your local phone book, performing a standard internet search online, or using an online business directory. You now have the contact information for local chiropractors, but who will you choose? You need to do more than just find a chiropractor; you need to choose once. What should you consider?

Insurance coverage. If you have health insurance and if that coverage includes chiropractic care, contact your health insurance company. See who you can visit. Some insurance providers work with a network of physicians. You may receive extra discounts and other moneysaving benefits by opting for an in-network chiropractor. If you have the freedom to choose, opt for a one that accepts your insurance.

Costs. Whether you are insured or not, costs should be considered when choosing a chiropractor. It is important to seek natural pain relief, but you must be able to afford it. When uninsured, find a quality chiropractor who has flexible payment options. This may include monthly payment plans or credit card payments.

Recommendations from those you know. As previously stated it is easy to use the internet or a phone book to find a local chiropractor. Unfortunately, these options usually just provide you with a phone number and an address. All chiropractors ease your pain, but they have varying people skills, rates, and overall attitudes. You need a chiropractor you feel comfort with. This may involve trial and error and meeting with a number of professionals, or you can ask those that you know for recommendations and detailed feedback.

Read reviews online. Although it is best to ask those that you personally know for feedback on a local chiropractor, you may not know anyone. Chiropractic care has many benefits, but most wait until they are in pain or suffer an injury before seeking treatment. If you do not know someone who has undergone this natural medical care, turn to the internet. Many online business directories, such as the one operated by Yahoo, enable consumers to rate and review businesses, including chiropractors. Enter in the chiropractic care, your address and see what results popup. Reviews are shown as stars.

As mentioned above, you may need to rely on trial and error. If you are unable to find reviews online and do not know someone who as received chiropractic care, use your best judgment. Schedule an appointment with a local chiropractor. In most cases, the first appointment is similar to a consultation appointment. Make mental notes. Is he or she listening to you? Are they offering helpful suggestions for at home too? Do you feel comfortable with your chiropractor? If so, you made a good choice. If not, move on to the next. You can switch care providers at anytime and for any reason.

In short, you need to do more than just pick a chiropractor out a phone book. It is important to receive quality care, but start with costs. Ending your pain and discomfort is important, but make sure you can afford treatment.

PPPPP

Word Count 676