Top Air Ambulance and Medical Insurance Tips 2012

When it comes to getting medical insurance and looking at your options for an air ambulance, most people deal with it at the last moment. That's to be expected, especially considering these services are typically needed during emergency situations. But taking the time out to research what's available can save you a lot of money and ensure that you are prepared in the worst case scenario. So here are some air ambulance and medical insurance tips that can help you.
For medical insurance, you want to make a list of what's important to you. Think about what you would need from a coverage plan and talk to different companies to see what they can do for you. From there, narrow down your choices and go with the company that is most likely to satisfy your needs.
You want to compare as many different companies as possible. The rates really vary from company to company and you could save a lot of money by choosing the right one. You also want to compare different plans and see which plans make sense for you financially.
Medical flight services are sometimes - but not always - part of medical coverage plans. So you will need to see if your medical insurance company covers air ambulance services. If not, ask your provider how much more it would cost in order to add it to the plan. Before making a final decision on which medical insurance to go with, you want to know about your air ambulance options.
You also will need to do research on medevac and air evac companies. You want to find a company that is located near major cities or airports. Remember that air ambulances are not only needed in time of emergencies, but can also be used if you're expected to travel large distances for medical procedures that you know about in advance. You want to make sure that they can get to you as fast as possible when your situation calls for it.
Not all air ambulances are the same. You want to look at different things. Check if the company has a fully staffed intensive care unit ready. You want to make sure that there are medical specialists on board. Some air medical providers only are for transport and do not have the expertise to care for the patient during transport.
Finally, check if you can be provided with a medical flight card. This card will cover you when you are on vacation. Depending on the terms, the card covers you hundreds of miles from your home and can provide you with an air ambulance in emergencies outside of your area.
So those are some of the top air ambulance and medical insurance tips you can use to choose the right provider and save as much money as possible. The key is to take your time and do your research. This will allow you to compare providers and find out which ones can deliver. Again, you may want to use a broker to help you find the right company as it can be quite difficult to sift through all the providers.

About this Author

Denise K. Wayne has more than 10 years of hands on experience as a critical care nurse. She received her BSN degree from UNM and has worked in a variety of individual patient settings and as an air ambulance flight nurse. She is the published author of "Depression in the Geriatric Patient". Individuals needing to fly a loved one or use an air ambulance service can get personalized assistance at her site.
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