Insurance, Health, Accident - As introduced, prohibits an out-of-network ambulance service provider from balance billing an enrollee in a health benefit plan for emergency ambulance services; establishes allowable billable costs for such services. - Amends TCA Title 56, Chapter 7 and Title 68, Chapter 140.

SB 1376 prevents out-of-network ambulance providers from balance billing patients for emergency ambulance services covered under their health insurance plan. It caps patient payments at the lesser of their plan's in-network cost-sharing amount, the ambulance provider's full bill, or 325% of the federal Medicare rate for similar services in the area. Health insurers must count any payment made by the patient toward their deductible and out-of-pocket maximum. The law applies to health benefit plans issued or renewed on or after July 1, 2025.