MASA MTS is a division of MASA Global, the premiere medical transportation solutions provider in the world. As a leader in the industry, MASA MTS is dedicated to shielding American businesses and their employees from excessive emergency bills. Memberships provide comprehensive financial protection and peace of mind. When an emergency strikes, MASA MTS will take all your medical transportation bills and leave you with peace of mind.
Offer MASA MTS as an integrated piece of your overall employee benefits package to close the serious gaps in most health insurance plans. You can also offer MASA MTS coverage to reinforce existing coverage at ANY TIME to ANYBODY and immediately strengthen their protection. MASA MTS coverage is flexible, affordable, and provides all the protection needed for situations involving emergency transportation.
Serious Gaps in Modern Health Insurance
Most people assume that monthly health insurance will cover ambulance rides and other emergency transportation. Unfortunately, this is not true. During the last 10 years, huge gaps have opened up in most insurance plans. These gaps leave you exposed to surprise bills and the increasingly-high costs of emergency transportation.
Ways You Can Be Left with a Huge Emergency Transportation Bill
OUT-OF-NETWORK PROVIDERS
Over 10,000 ambulance companies are operating in the United States, and most health insurance will only cover a limited amount of in-network providers. The truth is, there’s no guarantee that participants will get picked up by an in-network provider. The New York Times reported that out-of-network providers bill 71% of ground ambulance rides. Essentially, that means there is a 50/50 chance of being left responsible for a majority of the bill.
MASA memberships cover all emergency transportation providers in the United States and Canada, so there is never a need to worry about which ambulance company is called.
INSURANCE WILL JUDGE THE REASON FOR YOUR TRIP
As insurance professionals, we know that insurance will only pay for an ambulance if a trip is deemed “Medically Necessary.” As a quick refresher, let’s remember that medical necessity is established when any other transportation method (besides an ambulance) would endanger the patient’s life.
Let’s say symptoms commonly associated with a heart attack prompt an emergency call that results in an ambulance ride to the hospital. If the health insurance decides the cause of the symptoms (perhaps indigestion, heartburn, or a panic attack) doesn’t meet their requirements for an ambulance, they could deny the claim and leave thousands of dollars as out-of-pocket costs.
INSURANCE WILL ONLY PAY THE USUAL, CUSTOMARY & REASONABLE RATE
Even if picked up by an in-network ambulance and the claim is accepted by the insurance, we know to expect that the carrier will only pay the Usual, Customary, and Reasonable Rate.
YOU’RE STILL RESPONSIBLE FOR COPAYS AND DEDUCTIBLES
Even if bills fall within the Usual, Customary, and Reasonable Rate, we know most insurance plans require the individual to cover copays and deductibles.
Depending on the plan, with deductibles as high as $8,000 and regardless of other variables, employee participants can automatically be on the hook for hundreds to thousands of dollars to fulfill an insurance plan’s requirements.
MASA MTS will take care of all out-of-pocket costs, including copays and deductibles.
Medical Bills are the #1 Cause of Bankruptcy
According to CNBC, two-thirds of people who file for bankruptcy cite medical issues as a primary contributor to their financial downfall. The same article claims that “what most people don’t realize is that their health insurance may not be enough to protect them.” It’s estimated that 530,000 families turn to bankruptcy each year because of medical issues and bills.
Think of MASA as a financial safety net. Our low monthly fee is designed to save tens of thousands of dollars in the event of an accident or emergency.
Most People Don’t Have Savings for Medical Emergencies
A recent study from Bankrate (personal finance website) found that only 40% of Americans have enough savings set aside to cover a $1,000 emergency expense. The average charge of a ground ambulance is well over $1,200. Emergency air flights can cost as much as $50,000 or more.
Not everyone can set aside thousands for medical emergencies. Most people don’t even plan for them at all. That’s just one of many reasons why affordable monthly coverage is a great way to protect employees and their families. Even with established considerable savings, a single emergency could drain an account and negate years of hard work. The truth is, everybody needs emergency transportation coverage. Peace of mind is worth the cost alone, but it’s a no-brainer when considering the added financial protection.
MASA MTS is a Crucial Supplement to Any Health Insurance Plan
Most plans provide insufficient coverage when it comes to emergency transportation. Even the best insurance companies will only cover a limited-amount of in-network providers. Unfortunately, there’s no guarantee an in-network ambulance will be called to provide care and delivery to a medical facility.
MASA fills the gaps left by modern health insurance, providing full financial protection if the employee or a member of their family needs emergency transportation.
You Shouldn’t Have to Worry About Which Ambulance Picks You Up
When emergencies happen, the last thing you want to worry about is whether or not the ambulance is in-network. In most cases, there is no control over who renders services.
MASA MTS covers ALL ground and air ambulance providers in the United States and Canada. As MASA members, there’s never a need to worry about which ambulance company picks you up. With MASA MTS, the employee participant can feel confident they’ll receive immediate help when an emergency strikes without the worry of out-of-network costs.
You Can Address the Cost of Coverage in Many Different Ways
Employers can choose from a variety of methods for addressing the cost of coverage.
- Employer Paid
- Cost Share at Any Level
- 100% Employee Paid Via Payroll Deduction
We encourage those responsible for employee benefits, HR leaders, including hospital executives and administrators to learn more about MSA MTS. Please contact Kristin Hill, Manager of Business Development with Solvent Networks or Joe Lemons, State Director with MASA for support and start bridging the gaps in ground and air ambulance coverage today!
As a division of the South Carolina Hospital Association, we understand the hospital business. Our ready-to-deploy solutions for your workforce, financial, operational and compliance needs can save money on your bottom line – or generate revenue that you can re-invest in improving healthcare for the people of South Carolina. For more information, visit Solvent Networks, follow us on Linked In or watch HERE. Access your network today.