relative to ground ambulance services.

HB 725 prohibits ambulance providers from charging patients extra fees (balance billing) after insurance pays for services. It requires health insurance companies to pay nonparticipating ambulance providers the lesser of three amounts: the local government's set rate, 325% of Medicare's rate for the same service, or the provider's billed charges. This payment is considered full payment, meaning providers cannot bill patients for additional costs beyond standard copayments, coinsurance, or deductibles. The bill applies to ground ambulance services and takes effect January 1, 2026.