New Hampshire Bill Aims to Cap Ambulance Costs, Raising Concerns Over Premiums

Lawmakers in New Hampshire have introduced a bill that seeks to limit the cost of ambulance services by capping rates at 325% of what Medicaid and Medicare pay. The proposed legislation would also require private insurers to pay emergency medical services (EMS) providers directly, rather than reimbursing patients who receive bills for the balance of charges not covered by insurance.

Supporters of the bill argue that it will help address the high costs of ambulance services, which can place a significant financial strain on patients. "This bill will provide much-needed relief for patients who are often hit with excessive bills for essential emergency transportation," said the bill's primary sponsor, a career paramedic.

However, critics of the proposal have raised concerns that the changes could lead to an increase in insurance premiums. They argue that capping ambulance rates and shifting the payment structure may result in insurers passing on the additional costs to consumers in the form of higher premiums.

The New Hampshire Department of Insurance acknowledges the need for action to support struggling ambulance services but recommends amendments to the bill. "While we agree that the current system needs reform, it's critical to carefully consider the potential impact on insurance rates and ensure that any changes do not inadvertently burden consumers," a department spokesperson stated.

Why this matters: The outcome of this bill could have significant implications for the affordability and accessibility of emergency medical services in New Hampshire. As healthcare costs continue to be a major concern for many Americans, finding a balance between fair compensation for EMS providers and manageable costs for patients and insurers remains a complex challenge.

The House is currently reviewing the proposed legislation, taking into account the recommendations from the Department of Insurance. As lawmakers deliberate on the bill, stakeholders on all sides are closely monitoring the potential impact on patients, EMS providers, and the insurance market. The bill's sponsor remains optimistic, emphasizing the importance of supporting a vital industry that provides life-saving services to the community.

Key Takeaways

• NH bill aims to cap ambulance rates at 325% of Medicaid/Medicare pay.
• Bill requires insurers to pay EMS providers directly, not reimburse patients.
• Supporters say it will provide relief for patients, critics fear higher premiums.
• NH Dept. of Insurance recommends amendments to balance impact on consumers.
• Outcome could significantly affect affordability and accessibility of emergency services.