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Out of network ambulance service billing advice

Posted on 7/14/25 at 12:31 pm
Posted by tigerbandpiccolo
Member since Oct 2005
49436 posts
Posted on 7/14/25 at 12:31 pm
Two years ago, while 20 weeks pregnant during a high-risk pregnancy, I passed out while attending a function in California. I was unconscious for about a minute, and 911 was called immediately. Obviously, in an emergency like that, no one is asking which ambulance service is in-network — nor was I conscious to do so myself.

I was transported to a hospital, evaluated, and thankfully everything turned out okay. A few weeks later, I received a $3,500 bill from the ambulance company, claiming it was out-of-network. I appealed with my insurance, and after nearly a year of back-and-forth, they finally paid $800 — leaving me on the hook for the remaining $2,700.

Now the ambulance service is still pursuing the balance. For what was literally a short, uneventful 3-minute ride (no advanced care rendered), I’m being chased for thousands. It feels completely predatory that someone can be held financially responsible for services they didn’t — and literally couldn’t — choose.

I’ve read about protections against surprise medical billing, but it seems ambulances are often excluded from those laws. I’m wondering:
• Is there any legal recourse or appeal process I can pursue further?
• Has anyone successfully fought or reduced a similar out-of-network EMS bill?
• Could this be considered balance billing or even unfair debt collection?

Any advice or insight would be appreciated. This whole situation feels like a scam, and I want to understand my options before I give up and pay for a service I didn’t even consent to in the first place. Thanks in advance.
Posted by GeorgeTheGreek
Sparta, Greece
Member since Mar 2008
68451 posts
Posted on 7/14/25 at 12:33 pm to
This bill is par for the course for an ambulance. You’re lucky it wasn’t more expensive.

Ask to pay it off over a few months or tell them to cut the bill in half and you can pay that in full now.
This post was edited on 7/14/25 at 12:33 pm
Posted by TigerFred
Feeding hamsters
Member since Aug 2003
27795 posts
Posted on 7/14/25 at 12:33 pm to
quote:

while attending a function in California


You're screwed.

You are a legal citizen. Pay up.
Posted by TheDrunkenTigah
Baton Rouge
Member since Aug 2011
18118 posts
Posted on 7/14/25 at 12:36 pm to
Would you have preferred they leave you on the ground until they could figure out if you had a network ambulance provider in the state you presumably don’t live in?

I get that it stings, but this sounds like one I would just chock up to the game.
Posted by LNCHBOX
70448
Member since Jun 2009
88541 posts
Posted on 7/14/25 at 12:38 pm to
Google says California should have laws in place to help you with this. That's all I've got.
Posted by Ingeniero
Baton Rouge
Member since Dec 2013
21663 posts
Posted on 7/14/25 at 12:39 pm to
quote:

A few weeks later, I received a $3,500 bill from the ambulance company, claiming it was out-of-network. I appealed with my insurance, and after nearly a year of back-and-forth, they finally paid $800 — leaving me on the hook for the remaining $2,700.


Posted by Prawn
Member since Jul 2025
29 posts
Posted on 7/14/25 at 12:40 pm to
Ignore it and it will go away. Providers don’t have the teeth under Obamacare to collect on debts. They will spend more than the debt is worth trying to collect and most people are judgement proof anyway.
Posted by tigerbandpiccolo
Member since Oct 2005
49436 posts
Posted on 7/14/25 at 12:40 pm to
I would have preferred just riding to the hospital in my own car, actually, yes.

One of my kids recently broke a limb and they were trying to call the ambulance and I said absolutely not, mama will get us there faster and much cheaper.
Posted by DiamondDog
Louisiana
Member since Nov 2019
12656 posts
Posted on 7/14/25 at 12:40 pm to
Offer them $500 to settle the account.
Posted by Mushroom1968
Member since Jun 2023
5126 posts
Posted on 7/14/25 at 12:40 pm to
OP in Louisiana it is probably on average $2,500 a ride, even short rides. They had implied consent to pick you up as you were unresponsive. When you say, no advance care rendered, what all did they do? Putting you on an ekg or starting an IV line is billled as advanced care. Simply just having a paramedic on there is still going to be billed as advanced care, unless it was just all EMTs.

Eta: I know you said California, so I’d assumed cost is even more
This post was edited on 7/14/25 at 12:42 pm
Posted by Mingo Was His NameO
Brooklyn
Member since Mar 2016
35782 posts
Posted on 7/14/25 at 12:42 pm to
quote:

One of my kids recently broke a limb and they were trying to call the ambulance and I said absolutely not, mama will get us there faster and much cheaper.


So what you’re saying is your kid wasn’t pregnant, hundreds of miles away from home by himself, and laying on the floor incapacitated?
Posted by SuperSaint
Sorting Out OT BS Since '2007'
Member since Sep 2007
147743 posts
Posted on 7/14/25 at 12:46 pm to
quote:

and 911 was called immediately.
find out who ordered/purchased the ambulance. Send them a bill for $2700
Posted by TheDrunkenTigah
Baton Rouge
Member since Aug 2011
18118 posts
Posted on 7/14/25 at 12:49 pm to
quote:

I would have preferred just riding to the hospital in my own car, actually, yes.


So why didn’t you refuse the ambulance?

I’m not trying to be a dick but you come across as Monday morning quarterbacking the people who watched you fall out as a self described high risk pregnant woman, after the sticker shock of the bill, and with the hindsight of knowing you were ok. For all they know you could have died on the ride, or lost the baby.
Posted by LNCHBOX
70448
Member since Jun 2009
88541 posts
Posted on 7/14/25 at 12:50 pm to
quote:

So why didn’t you refuse the ambulance?



Reading isn't your strong suit, eh? I doubt she was thinking overly clearly after coming to from being passed out.
This post was edited on 7/14/25 at 12:52 pm
Posted by SuperSaint
Sorting Out OT BS Since '2007'
Member since Sep 2007
147743 posts
Posted on 7/14/25 at 12:51 pm to
quote:

One of my kids recently broke a limb and they were trying to call the ambulance and I said absolutely not,
I told one of my toddlers last week that the police always come with the ambulance because they put you in jail after.

Bringing my knotheads to the ER already cost enough how it is.
Posted by tigerbandpiccolo
Member since Oct 2005
49436 posts
Posted on 7/14/25 at 12:51 pm to
thank you so much for pointing out that being unconscious 100 miles from home wasn’t the ideal time to comparison shop ambulance providers on Yelp. Of course I didn’t prefer to be left on the floor — but I also don’t think it’s reasonable, ethical, or even remotely just that someone in a literal medical emergency should wake up to a $3,500 bill from a company they didn’t choose, didn’t consent to, and weren’t even conscious for.

The issue isn’t the emergency response — it’s the predatory billing system that lets ambulance services operate in some Wild West loophole where the patient has zero agency but full financial liability. So unless your response comes with actual insight or solutions, kindly take your sanctimony elsewhere.

Because at the end of the day, the American healthcare system isn’t healthcare — it’s a GoFundMe with sirens.
Posted by SuperSaint
Sorting Out OT BS Since '2007'
Member since Sep 2007
147743 posts
Posted on 7/14/25 at 12:52 pm to
quote:

Reading isn't your strong suit, eh?
quote:

TheDrunkenTigah
Posted by cgrand
HAMMOND
Member since Oct 2009
46104 posts
Posted on 7/14/25 at 12:52 pm to
several years ago I was at my camp on an inaccessible by road island in Texas and I went into anaphylactic shock. My wife immediately called 911 and they patched her over to the coast guard station in corpus, who sent a helicopter and a rescue swimmer to come get me. They took me to a hospital in corpus where I got several adrenaline shots and recovered in a few hours.

I did not get a bill for the helicopter ride
Posted by DiamondDog
Louisiana
Member since Nov 2019
12656 posts
Posted on 7/14/25 at 12:53 pm to
quote:

told one of my toddlers last week that the police always come with the ambulance because they put you in jail after.


Am I not supposed to make a joke about this?

I would again just tell them you don't remember receiving their services. It's been 2 years and offer them to settle the services for $500. Being your account is old and out of state, it's worth pursuing.
Posted by Mingo Was His NameO
Brooklyn
Member since Mar 2016
35782 posts
Posted on 7/14/25 at 12:53 pm to
quote:

but I also don’t think it’s reasonable, ethical, or even remotely just that someone in a literal medical emergency should wake up to a $3,500 bill from a company they didn’t choose, didn’t consent to, and weren’t even conscious for.


Ok, what are you going to do? Be a conscious objector and let it go to collections and hurt your credit?

Does it suck? Yes. Is it bullshite? Probably. Is there anything you can do about it? Almost certainly not
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