AN ACT REQUIRING HEALTH INSURANCE COVERAGE FOR EMERGENCY MEDICAL SERVICES.

HB 5282 requires all individual and group health insurance policies to cover emergency medical services, regardless of whether a patient is transported by ambulance to a hospital. This directly affects health insurers, who must provide this coverage, and policyholders, who gain guaranteed access to emergency care without transport-related coverage gaps. The key provision removes the common practice of denying coverage for emergency services if a patient isn't transported, ensuring coverage for medically necessary care during emergencies. The bill applies to all standard health insurance plans, making emergency medical service coverage mandatory without exceptions based on ambulance transport.