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Bill

Bill

HB 245

AN ACT relating to coverage for emergency ground ambulance services.

2025 Regular Session

Kentucky proposes mandating insurance coverage for emergency ground ambulance services, potentially expanding patient access but raising insurer and budget cost concerns.

to Banking & Insurance (H)
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Bill Summary · HB 245

Legislative bill overview

HB 245 is a Kentucky bill that addresses insurance coverage requirements for emergency ground ambulance services. The bill has recently been introduced and is currently in the House Banking & Insurance Committee for review. The specific provisions detailing what coverage mandates or reforms are included have not yet been publicly detailed in available legislative records.

Why is this important

Emergency ground ambulance services are critical medical infrastructure, and coverage gaps can create financial hardship for patients facing medical emergencies. Insurance coverage disputes over ambulance services are a common source of out-of-pocket costs and billing complications for Kentuckians. Clarifying or expanding coverage requirements could affect both patient accessibility and insurance industry costs.

Potential points of contention

  • Cost allocation: Whether insurers, patients, municipalities, or state programs should bear ambulance service costs, potentially increasing insurance premiums or expanding state budgets
  • Coverage scope definition: Disputes over what qualifies as "emergency" services versus non-emergency transport, which affects claim denials and patient disputes
  • Rural ambulance viability: Whether coverage mandates will adequately fund rural volunteer and public ambulance services that may operate at financial margins

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

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