Does Medicare cover ambulance costs?It’s a common misconception that Medicare covers the cost of ambulance treatment and transport like many medical expenses. If you’ve found out the hard way, you’ll know that you cannot claim these expenses with Medicare.
Choosing Ambulance Cover Only Through a Health Fund
When it comes to securing ambulance cover, you have several options available to ensure your protection.
Standalone ambulance cover
One option is to obtain a standalone ambulance policy, which can provide either emergency or comprehensive cover. Opting for ambulance cover only has its advantages, particularly when it comes to affordability. Standalone ambulance policies typically come at a lower cost compared to combining them with hospital or extras insurance.
Since the benefits are focused solely on ambulance services, this can be a budget-friendly choice. Additionally, selecting an emergency ambulance cover might further reduce costs while offering basic coverage. This is especially beneficial for individuals on a tight budget who may not qualify for concessions, such as students.
Hospital cover with ambulance cover
Alternatively, you can consider a hospital plan that includes ambulance cover, providing you with a more comprehensive insurance policy.
Extras policy with ambulance cover
Another option is an extras policythat encompasses ambulance treatment and transportation. While combining these covers may involve higher costs compared to standalone ambulance policies, they offer a wider range of benefits. It ultimately depends on your individual needs and whether the additional expense is worthwhile for the level of cover you require.
If you decide to combine your ambulance cover with an existing or new hospital or extras package, it's important to carefully consider the level of cover provided. Keep in mind that the extent of ambulance cover can vary between different health funds. By taking the time to assess your options, you can ensure that you choose the level of cover that best suits your needs and provides you with the necessary protection.