Prohibiting surprise billing of ground emergency medical services by nonparticipating providers

HB 3470 prevents surprise billing for ground ambulance services by requiring insurers to pay out-of-network ambulance providers directly at 400% of Medicare rates (or the provider’s billed charge, whichever is lower) within 30 days of a clean claim. It prohibits charging patients extra beyond standard copays/coinsurance they’d pay for in-network services and mandates written denial notices for denied claims. The law applies to health insurance policies issued after January 1, 2026, protecting patients and setting clear payment rules for ambulance providers and insurers.