Surprise Billing Consumer Protection Act; insurance coverage for certain out-of-network ambulance transportation service; provide

Added new definition for 'Clean claim' to specify claims without defects that would prevent timely payment.

Added definition for 'Medical necessity' to clarify when emergency transport is needed beyond standard emergency situations.

Expanded coverage eligibility to include individuals not requested by first responders when the service was medically necessary.

Changed minimum reimbursement rate from 400% to 300% of Medicare rates when no local agreement exists.

Updated claims processing requirements to reference 'clean claim' terminology and clarify payment timelines.