prohibiting surprise ambulance billing and regulating ground ambulance reimbursement.

SB 245 prohibits surprise ambulance billing for patients receiving emergency care at in-network hospitals, ensuring they only pay their standard copayment or deductible. It regulates ground ambulance reimbursement by requiring insurers to pay set rates based on the ambulance provider's contracted rates with the hospital, rather than charging patients for out-of-network fees. This directly affects patients using emergency ambulance services, preventing unexpected bills while establishing clear payment rules for ambulance providers and insurers. The law applies specifically to ground ambulance services, not air ambulances or non-emergency transport.