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✔ Nationwide coverage – Cigna network access for out-of-state employees + state plurality rules for group qualification.
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A new California law bans ground ambulance operators from balance billing patients starting January 1, 2024. Signed into law by Governor Newsom on October 8, 2023, AB-716 limits how much a non-network ambulance operator can charge patients to the amount they would pay for an in-network ambulance. The law applies to state-regulated commercial health plans, including fully insured Small Group plans.
While federal and some state laws ban balance billing for hospital and air ambulance charges, most states, until now, allowed the practice for ground ambulance services – despite patients having no control over which ambulance provider responds in an emergency.
In California, nearly three-quarters of ground ambulance rides result in surprise out-of-network bills, with average charges over $1,200 – the highest in the U.S. Under the new California law, over 14 million state residents with commercial health plans will save an average of nearly $1,100 per emergency ambulance ride and over $800 for non-emergency transports. Health plans will be required to pay county-set ambulance rates, which are approximately $2,000 higher than current insurer payments per ride. But with ambulance services accounting for a small fraction of overall health spending, premium increases should be minimal. Get the details.
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