Creates provisions relating to payments to ambulance providers

This bill establishes new rules for how health insurance companies must pay ground ambulance providers in Missouri. It sets a minimum reimbursement rate for out-of-network services, which is either the local government-approved rate or 325% of the Medicare rate, whichever is lower. The legislation also limits patient cost-sharing for these services to match what they would pay for in-network care and requires insurers to pay providers directly without sending money to patients first. Additionally, it mandates that insurance companies must explain claim denials or request specific missing information within thirty days of receiving a valid claim.