i went to a seminar of ambulance insurance, which includes use of helicopter. Is there a company who sells reasonable ambulance insurance?
How do I know where my catchment area is? The speaker said if you are several feet out of that area prices really skyrocket.
Seems like something the seminar should have covered.
Required ambulance services have always been covered by my health insurance. Like visits to the ER, it’s been covered when necessary, but not covered if not medically necessary.
the seminar was selling a 5,000 life time plan for those over 55.
An AI search should be helpful to find competitors for the company that did the seminar.
Factors I would evaluate include how much coverage do have you with your current medical insurance, how frequent are you likely to need an ambulance (I believe that there is data on how often community dwelling adults use ambulances), will you be obtaining Medicare at age 65 with 80% coverage and a secondary policy for the additional 20% coverage and how financially stable is the company.
At present my medicare will evaluate as to whether the incident was actually life threatening, and if not (i.e. gas causing chest pain), i would have to pay. I do not believe any air transportation is covered with medicare.
I worked in commercial insurance for years. If there is one thing I learned is that one can buy insurance on anything if they want to pay hit it. Just figure how much an event may cost you and compare that to the cost of the policy and Account for the deductible and, see who gets what your healthcare insurance will pay. You may not be buying as much protection as you think. Get a HSA and put your money there would be my advice.
does a Health Savings Account pay for dental?