An Explanation of Third Party Billing and the Ambulance Club Fund Drive


What is third party billing?

Third party billing is a program that provides reimbursement for hospitals, physicians, and ambulance services.  The reimbursement is based upon services rendered to patients either in the hospital, or before the patient reaches the hospital.  In some cases, insurance companies and government programs such as Medicare may reimburse some portion of the ambulance charges.

Why should I join the Ambulance Club if I have Medicare or other insurance?

First, if nobody joined the Ambulance Club, there would be no money to purchase and maintain the ambulance and equipment used by our volunteer EMTs and paramedics to provide emergency care.

Secondly, your donation assures that you will not receive any additional bills for emergency ambulance service provided by United Volunteer Fire and Rescue, regardless of your insurance coverage.  Medicare and most insurance plans will not cover 100% of the bills incurred for ambulance service!

How does Third Party Billing work?

Every time you use the ambulance, UVF&R will submit a bill to your insurance company.  If the insurance company reimburses us for any portion of that bill, we will accept it as payment in full.  The Ambulance Club member will not be charged anything further.  A patient who is not a member will be responsible for payment of the balance of the bill in full.


Here is an example:

Mrs. Smith, an ambulance club member for many years, is having severe chest pains and is short of breath.  She calls the ambulance to take her to the hospital.  Advanced life support treatment consisting of oxygen, cardiac monitoring, intravenous fluid therapy and IV antiarrhythmic medication is administered enroute to the hospital.  UVF&R bills Medicare $500 for Mrs. Smith's transport and treatment, and receives a reimbursement of $200 from them.  Being an Ambulance Club member, Mrs. Smith is not responsible for the balance.

Her neighbor, Mrs. Jones, has the same symptoms a few days later and calls the ambulance for assistance.  Mrs. Jones feels that supporting the ambulance service is a waste of money and never bothered to donate to the Ambulance Club Fund Drive.  She receives the same excellent medical treatment that Mrs. Smith did.  UVF&R submits a $500 invoice to Medicare, and again receives a reimbursement of $200.  Because she is not an Ambulance Club member, Mrs. Jones is responsible for the $300 balance not covered by Medicare and will receive a bill.