MS Triage, Treat and Transport to Alternative Destination Act; revise provisions related to.

HB 1392 requires health benefit plans in Mississippi to cover ambulance services for triage, treatment in place (using telemedicine), or transport to lower-acuity facilities like urgent care centers or mental health crisis units - excluding hospitals or critical care settings. It sets minimum reimbursement rates for out-of-network ambulance providers based on contracted county/municipal rates or 250% of Medicare rates, mandates the Department of Insurance to publish these rates, and requires clear billing explanations for enrollees. The law applies to all health plans covering these services starting July 1, 2025, and affects enrollees receiving ambulance care, ambulance providers, and insurance commissioners enforcing the rules. It does not change existing deductibles or co-pays but ensures coverage for non-transport scenarios and alternative destination care.