Relating to surprise billing of out-of-network ambulance services

SB 632 prevents surprise billing for out-of-network ambulance services by requiring insurers to pay non-participating ambulance providers directly at a capped rate (400% of Medicare's published rate for similar services in the area, or the provider's billed charge, whichever is lower). It prohibits ambulance agencies from charging patients for any costs beyond their standard copay, coinsurance, or deductible amounts. The bill applies to ground ambulance services (excluding air ambulances) covered under health insurance policies issued after January 1, 2026, and mandates insurers pay claims within 30 days or provide written denial notices explaining the reason. This directly affects patients who use out-of-network ambulances and ambulance providers who previously faced billing disputes.