Insurance Coverage During a Medical Emergency
Time is critical in a major medical emergency. When a ground ambulance can’t reach a patient, or get there fast enough, an air ambulance is called. Air ambulances most commonly transport patients with traumatic injuries, pregnancy complications, heart attacks, strokes and respiratory diseases. Air ambulances are often equipped with state-of-the-art medical equipment and staffed by paramedics, emergency medical technicians and sometimes doctors and nurses.
Many insurers will pay what they deem reasonable use of an air ambulance; however, sometimes the air ambulance company and the insurer disagree on the cost. Depending on circumstances, the remainder of the bill—which could run in the thousands of dollars—could be your responsibility. Speak to your agent to find out what coverage your policy provides.
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Spring Storms Ahead
The spring season is only a few weeks away and with warmer weather comes the chance for severe storms. Before dangerous weather pops up in your neighborhood, review the tips below.
Document Losses. It is important to have an accurate account of all damage for your insurance company to file a claim. Take photos or videos and make a list if the damages and lost items.
Starting a Claim. Contact your agent as soon as possible, most insurance companies have a time requirement for reporting a claim.
Stay alert. It is a good idea to do business with local or trusted companies. Always get more than one bid on work projects.
Click here to view our Post-Disaster Insurance Guide.
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Free Medicare Counseling
Our Senior Health staff want you to be informed. If you are new to Medicare, our counselors can explain how it works, what is covered and what costs you are responsible for paying. The Senior Health Insurance Information Program (SHIIP) offers free and confidential help with Medicare and other health insurance. Counselors can help you:
- Understand the paperwork and statements that you receive after a doctor visit.
- Figure out what has been paid and what you need to pay for Medicare, hospital or clinic bills.
- File claims or appeals if a payment for a service has been denied.
For more information, contact us at 1-800-259-5300.
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