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Bill

HB 447

AN ACT relating to coverage for emergency ground ambulance services.

2026 Regular Session Introduced by Chad Aull and 31 co-sponsors

HB 447 requires Kentucky insurance plans to cover emergency ground ambulance services, addressing patient affordability and provider sustainability in emergency medical transport.

to Banking & Insurance (H)
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Bill Summary · HB 447

Legislative bill overview

HB 447 is a Kentucky bill that addresses insurance coverage requirements for emergency ground ambulance services. The bill has been introduced in the House and referred to the Banking & Insurance Committee for consideration. The specific provisions of the bill are not detailed in the available information, but the title indicates it establishes or modifies coverage mandates for emergency ground ambulance transportation.

Why is this important

Emergency ambulance services are critical infrastructure for public health, yet coverage gaps and high out-of-pocket costs for patients have become increasingly problematic across the United States. Insurance coverage requirements directly affect whether patients can afford emergency medical transport and whether ambulance services—often operated by rural or municipal providers—remain financially viable.

Potential points of contention

  • Cost allocation between insurers and providers: Insurers may resist broad coverage mandates due to premium implications, while ambulance services argue current reimbursement rates are unsustainable
  • Rural vs. urban service equity: Different regions have varying ambulance availability and operating costs, making uniform coverage requirements potentially unfair or inadequate in some areas
  • Definition of "emergency" services: Disputes may arise over which calls qualify as emergencies eligible for coverage versus non-emergency transport that patients might dispute as necessary

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

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