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HB 6142

AN ACT CONCERNING HEALTH INSURANCE COVERAGE FOR OUT-OF-NETWORK GROUND TRANSPORT AMBULANCE CHARGES.

2025 Regular Session Introduced by Kate Farrar

Connecticut would mandate health insurance coverage for out-of-network ground ambulance charges to prevent surprise bills for emergency transport services.

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Bill Summary · HB 6142

Legislative bill overview

HB 6142 would require health insurance plans in Connecticut to cover out-of-network ground ambulance transport charges. Currently, patients may face significant bills when ambulance services are provided by non-network providers, a common occurrence since patients often cannot choose which ambulance responds to emergencies.

Why is this important

Ground ambulance services are frequently billed as out-of-network, leaving patients with unexpected high costs despite having insurance coverage. This bill would protect Connecticut residents from surprise medical bills in emergency situations where they have no control over provider selection, addressing a gap in consumer protection for emergency transport.

Potential points of contention

  • Cost impact on insurers: Requiring coverage of all out-of-network ambulance charges could increase insurance premiums, as insurers lose negotiating power with non-network providers
  • Definition and scope: The bill's specificity regarding what constitutes a "ground transport ambulance" and whether all services qualify may require clarification to prevent disputes
  • Rural access concerns: In areas with limited ambulance services, mandatory coverage could affect whether providers remain economically viable or expand service areas
  • Network development incentives: If insurers must pay out-of-network rates regardless, they have less incentive to build comprehensive ambulance provider networks

Compiled from official sources — confirm details with the bill’s official record.

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