Prohibiting surprise billing of ground emergency medical services by nonparticipating providers

HB 4117 prohibits surprise billing for ground emergency ambulance services by nonparticipating providers in West Virginia. It requires health insurers to pay ambulance providers directly (at the lesser of 400% of Medicare's rate or the provider's billed charges) within 30 days of receiving a clean claim, and bans providers from billing patients for amounts beyond what the insurer requires (like copays or deductibles). This directly affects patients receiving ambulance services, nonparticipating ambulance agencies, and health insurers. The bill ensures patients won’t face unexpected bills for emergency ground ambulance care, with clear payment rules and written denial notices for denied claims.