Answers to Your Questions

Below you’ll find several of the most common questions asked about our services, Medicare, billing, and more.

If you don’t see the answer you’re looking for, please give us a call at 573-748-5571—we are here for you!

Billing and Coverage Questions

Medicare and Medicaid only cover emergency ambulance transports that are “medically necessary.” They do not cover hospital to hospital, hospital to residence, or hospital to skilled nursing facility, unless certain conditions apply. Medicare, Medicaid, and supplements cover mileage only to the closest appropriate facility. If you are taken to a facility farther away than the nearest option, you will be responsible for whatever amount was not covered.

We file insurance as a courtesy, but we do not discount rates. Ambulance charges are subject to your individual policy’s coverage of that service, as well as your deductible.

Your ambulance transport may not be covered by your individual insurance plan, charges may have been applied to your annual deductible, or part of you co-insurance. You will receive a monthly bill until insurance pays all or a portion of your charges. You can keep track of your charges by receiving this monthly bill and see if your insurance does or does not pay.

If your insurance carrier has not paid within two months, you are then responsible to follow up with them.

You can find the most up-to-date information about Medicare coverage on their website here.

You can find the most up-to-date information regarding Medicaid coverage from the state of Missouri on their website here.

We will work with you to put together a payment plan that will fit your budget. You can learn more here or contact the district office for more information.

Preparing for Ambulance Needs in the Future

If you would like to prepare for ambulance service in the future, please keep the following documents readily available to give to EMS workers.

  • A list of all of the patient’s current medicines and doses (or the medicines themselves, in their properly labeled bottles from the pharmacy.)
  • Patient’s insurance cards
  • Patient’s personal information—identification, list of allergies, etc.
  • Any pertinent paperwork that needs to go with the patient to the hospital—DNR (Do Not Resuscitate order), POA (Power of Attorney), etc.

We recommend keeping copies of these items in one easily accessible place.

NMCAD works with the STARS Response system through Cardinal Glennon Children’s Hospital in St. Louis. This program helps us learn about the special needs of area children, prepare for how to provide those children with the best care possible, and ultimately leads to better outcomes.

If you have more questions about STARS, you can read more on their website, or reach out to us at (573) 748-5571 to get started.