Medicare Part B does cover emergency air ambulance transportation in an airplane or helicopter if your health condition requires immediate and rapid transportation that ground transportation cannot provide.
Medicare Advantage (Part C) plans also cover air ambulance transportation when medically necessary. The costs and coverage rules may vary depending on your Medicare Advantage plan.
Medicare Advantage plans also include an annual out-of-pocket spending limit, which Original Medicare does not offer.
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At least one of the following circumstances must apply in order for your air ambulance services to be covered by Medicare:
Because Medicare Advantage plans are required to offer at least the same benefits as Original Medicare (Part A and Part B), an air ambulance ride should be covered by a Medicare Advantage plan if your situation meets the same criteria.
What you pay for emergency air ambulance transportation, rules and choices will vary depending on your specific Medicare Advantage plan terms and conditions.
If you have Original Medicare, Medicare Part B will typically cover 80 percent of the cost of your air ambulance ride. You will typically pay the 20 percent Part B copayment after you meet your Part B deductible, which is $226 per year in 2023.
Ground transportation is also covered by Medicare Part B, but only when other transportation options could endanger your health.
Medicare will only cover emergency ambulance services to the nearest appropriate medical facility. If you choose to be transported to a facility that is farther away, Medicare will only cover what it costs to take you to the closest facility that can give you the care you need, and you must pay the rest.
Note: Medicare’s payment could be different if you’re transported by a Critical Access Hospital (CAH). Critical Access Hospitals are small facilities that provide outpatient and limited inpatient services to people in rural areas.
Medicare Advantage plans are sold by private insurers as an alternative to Original Medicare.
In addition to offering the standard benefits that Original Medicare (Medicare Part A and Part B) offers, most Medicare Advantage plans cover other benefits that Original Medicare does not cover.
A licensed insurance agent can help you find and compare Medicare Advantage plans in your area.
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Christian Worstell is a senior Medicare and health insurance writer with MedicareAdvantage.com. He is also a licensed health insurance agent. Christian is well-known in the insurance industry for the thousands of educational articles he’s written, helping Americans better understand their health insurance and Medicare coverage.
Christian’s work as a Medicare expert has appeared in several top-tier and trade news outlets including Forbes, MarketWatch, WebMD and Yahoo! Finance.
Christian has written hundreds of articles for MedicareAvantage.com that teach Medicare beneficiaries the best practices for navigating Medicare. His articles are read by thousands of older Americans each month. By better understanding their health care coverage, readers may hopefully learn how to limit their out-of-pocket Medicare spending and access quality medical care.
Christian’s passion for his role stems from his desire to make a difference in the senior community. He strongly believes that the more beneficiaries know about their Medicare coverage, the better their overall health and wellness is as a result.
A current resident of Raleigh, Christian is a graduate of Shippensburg University with a bachelor’s degree in journalism.
If you’re a member of the media looking to connect with Christian, please don’t hesitate to email our public relations team at Mike@tzhealthmedia.com.