Creates provisions relating to air ambulance memberships

HB 991 creates rules for air ambulance membership programs, which are separate from health insurance. It prohibits organizations selling these memberships from enrolling people already in Missouri's Medicaid program (MO HealthNet), and requires them to offer refunds or transfers if a member joins MO HealthNet during their membership. The bill mandates clear disclosures on all marketing materials and applications stating these are not insurance plans, Medicaid recipients cannot purchase them, and some states ban such memberships for Medicaid beneficiaries. Violations can be reported to the state Attorney General.