An Act protecting patients from surprise bills related to emergency ambulance service

This bill prevents patients from receiving surprise bills for emergency ambulance services. It requires insurance companies to pay ambulance providers directly for covered emergency transports, rather than billing patients, and sets payment rates based on municipal rates or federal Medicare rates if municipal rates don't exist. Uninsured patients are protected from charges exceeding Medicare's published rates, and ambulance providers cannot use wage garnishments or credit reporting to collect unpaid bills. The law applies to all emergency ambulance services covered under insurance policies, directly affecting patients, ambulance providers, and insurers.