Medigap Monday: Does Medigap Plan G cover ambulance service?

Medicare Bob
Medicare General Info, Medigap
Yes! In fact, Medicare Supplement Plan G covers ambulance services to or from a hospital, critical access hospital (CAH), or skilled nursing facility (SNF).
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Ambulance Coverage - Medicare Plan G

Medigap Plan G does cover ambulance rides. Medicare Supplement Plan G covers everything except Medicare Part B’s annual deductible of $233 in 2022. So, if you have not met your deductible for the year, you must pay it. Otherwise, you pay nothing.

You can get emergency ambulance transportation when you’ve had a sudden medical emergency, and your health is in serious danger because you can’t be safely transported by other means, like by car or taxi.

  • These are some examples of when Medicare might cover emergency ambulance transportation:

  • You're in shock, unconscious, or bleeding heavily
    You need skilled medical treatment during transportation

Ambulance Coverage - Medicare Part B

Medicare Part B covers ambulance services to or from a hospital, critical access hospital, or skilled nursing facility. Medicare covers and helps pay for ambulance services only when other transportation could endanger your health. For example, you have a health condition that requires ambulance transportation. Furthermore, if you can walk to the ambulance, Medicare will not pay for the service.

Medicare will only cover ambulance services to the nearest appropriate medical facility that’s able to give you the care you need. If you choose to be transported to a facility farther away, Medicare’s payment will be based on the charge to the closest appropriate facility. However, if no local facilities are able to give you the care you need, Medicare will pay for transportation to the nearest facility outside your local area that’s able to give you necessary care.

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