No Surprises for Ambulance Services Act.

HB 456, the "No Surprises for Ambulance Services Act," prevents unexpected high costs for ambulance services by requiring health insurance companies to cover both emergency and non-emergency ground ambulance transport without surprise bills. Specifically, it caps out-of-network cost-sharing (like copays or deductibles) for ambulance services at 110% of what would apply for in-network providers, ensuring patients aren’t charged more for using an ambulance outside their insurance network. This directly affects insured individuals who use ambulance services, especially in emergencies or when they cannot choose a network provider. The law also mandates insurers to clearly disclose coverage details for emergency services, including cost-sharing and how to access care.