I Have Insurance, Do I Need TotalCare?Medicare and insurance companies deny about 30 percent of all ambulance claims they receive. When they refuse to pay, the entire bill - usually totaling more than $1,100! -- becomes the patient's responsibility. Even if Medicare/your insurance provider approves your claim, it's likely that you'll still be responsible for meeting a deductible or providing a co-payment. Plus, insurance companies often pay a reduced amount when they approve a claim - leaving patients to pay the remaining balance. But TotalCare members never have to pay for EMSA emergency care or for covered non-emergency service. Members are charged a significantly reduced rate (40% savings off the standard rate) for uncovered non-emergency service. |
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