Creates provisions relating to air ambulance memberships

HB 2874 creates rules for air ambulance membership plans, which are non-insurance programs that let people pay for air ambulance services in advance. It directly affects Missouri residents enrolled in MO HealthNet (Missouri's Medicaid program), as these individuals cannot purchase or renew such memberships. Key provisions require membership organizations to: (1) stop selling to MO HealthNet enrollees, (2) offer a partial refund or transfer if someone joins Medicaid during their membership, and (3) clearly state in all marketing and applications that the plan is not insurance and Medicaid beneficiaries are ineligible. The bill also mandates specific disclosures about Medicaid ineligibility and prohibits marketing to Medicaid members. Violations can be reported to the state Attorney General for enforcement.