Relating to: coverage and reimbursement of emergency ambulance services under health insurance policies and plans. (FE)

AB 720 requires health insurance plans - including defined network plans, preferred provider plans, and government self-insured plans - to cover emergency ambulance services provided by non-participating ambulance providers. It mandates payment at the lowest of three rates: a mutually agreed rate, a local governmental rate, or 350% of the Medicare rate for the same area. Plans must pay ambulance providers directly within 30 days for clean claims, cannot impose additional costs on enrollees beyond standard cost-sharing, and must provide clear explanations for denied claims. The bill excludes air ambulance services and applies to all health insurance plans covering emergency medical services.