Will life insurance cover LifeFlight?
LifeFlight is not covered by life insurance, and health insurance providers are often picky about covering a LifeFlight ride. A LifeFlight can cost up to $40,000 without insurance, and a LifeFlight membership costs $69/yr. So it's essential to know whether or not you are covered for a LifeFlight before you get stuck paying for all costs.
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Heidi Mertlich
Licensed Life Insurance Agent
Heidi works with top-rated life insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the ...
Licensed Life Insurance Agent
UPDATED: Aug 14, 2024
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Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance company and cannot guarantee quotes from any single company.
Our life insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.
UPDATED: Aug 14, 2024
It’s all about you. We want to help you make the right life insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance company and cannot guarantee quotes from any single company.
Our life insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- LifeFlight may not be covered by your life insurance policy
- Insurance companies are often tricky about covering LifeFlight rides
- Without insurance, a LifeFlight ride can cost up to $40,000 per ride
Many people are aware of air ambulances, which play a crucial role in saving hundreds of thousands of lives annually. Also referred to as LifeFlight, these air ambulances provide faster transport for individuals requiring urgent medical attention compared to traditional ambulances. For more information, visit www.airmedcarenetwork.com or consult the Medical Air Services Association. If you’re wondering, “Is medical flight covered by insurance?” it’s important to check with your insurance provider for specific coverage details.
Often, it is confusing as to whether your health or life insurance policy will cover a LifeFlight ride. Since LifeFlight is usually a medical expense, it may be covered by your health insurance policy. However, there may be situations where LifeFlight is covered by your term or permanent life insurance policy.
Continue reading to discover if life insurance covers LifeFlight, find out which companies provide LifeFlight coverage, and learn about the costs associated with LifeFlight rides and insurance. We’ll also explore the medical helicopter insurance cost, how to use a LifeFlight coupon code, and details on LifeFlight membership renewal.
Before jumping in, enter your ZIP code into our free online tool for instant life insurance quotes from companies near you today.
Will life insurance cover LifeFlight?
Air ambulances, such as LifeFlight, serve as a crucial resource for individuals requiring urgent medical care or who have experienced a serious accident that standard ambulances cannot address. Despite its critical nature, coverage for LifeFlight services can be challenging with many insurance providers. Additionally, while options like life insurance for helicopter pilots offer protection, and programs like MASA lifetime membership provide financial assistance, the cost for these memberships, including the MASA lifetime membership cost per month and Cal-Ore Life Flight membership, can still be significant.
Essentially, air ambulances are covered by health insurance when medically necessary. However, insurance companies often dictate the term “medically necessary.” Insurance companies do everything they can to avoid paying more than necessary, and with LifeFlight being an expensive service, its coverage is often arguable.
If you are in a situation where you need a LifeFlight, it is crucial to know whether or not your insurance policy will cover the expenses. Because LifeFlight is a medical expense, it is more likely to be covered by your health insurance policy rather than your life insurance policy.
There are a few scenarios in which your life insurance policy might include coverage for CalStar air medical services, helping with the cost of a life flight helicopter ride. For those seeking the best life flight insurance, it’s important to review policy details to determine coverage options.
If, for instance, your current health insurance policy does not cover a LifeFlight, you may be able to use the payout from your or a loved one’s permanent or term life insurance policy to cover the expense. Of course, using the life insurance payout is not ideal, considering all other end-of-life costs, but it could be an option.
You may be able to use some of the money in the cash value part of your permanent life insurance policy to cover LifeFlight expenses. Cash value is the aspect of your permanent insurance policy that accrues interest and is available to you in case of emergencies. Therefore, it may be another option to consider. (For more information, read our “Which type of life insurance policy generates immediate cash value?“).
While LifeFlight can be incredibly convenient and potentially life-saving, it’s important to avoid being burdened with the entire cost yourself. Before you might need a LifeFlight, make sure you understand whether you have coverage and plan accordingly. Consult with a life or health insurance agent to discuss your options, especially regarding life flight cost without insurance and life flight coverage.
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Do I need LifeFlight insurance?
With LifeFlight coverage from your insurance company being up in the air, it is beneficial to consider purchasing LifeFlight insurance. However, LifeFlight insurance is not typically sold as a standard insurance policy because it is not technically insurance.
Often, medical flight services are sold as memberships with a specific air ambulance organization. These companies include:
- LifeFlight Network
- Air Ambulance Worldwide
- Global Rescue
These memberships serve as an addition to rather than in place of your current insurance policy. LifeFlight memberships are meant to cover expenses that health insurance companies wouldn’t otherwise cover.
LifeFlight Network, for example, works directly with your insurance company for their portion, and the rest of the cost is covered by your membership. So if you are in a severe accident and need a LifeFlight, you can rest assured that you will not have to pay the LifeFlight costs out-of-pocket.
How much does LifeFlight insurance cost?
As you may be aware, health care costs in the United States are notoriously expensive, and LifeFlight costs are not exempt. Without proper insurance coverage, LifeFlight costs can be up to $40,000 per ride.
Most people do not usually have $40,000 available to cover the cost of a medical flight, especially with the unpredictability of medical emergencies. Therefore, it is advantageous to consider investing in a LifeFlight membership.
Through LifeFlight Network, you can get a membership for as low as $69 a year. You may also choose to purchase a two-year membership for $130, a five-year membership for $300, or a lifetime membership for $1,200.
Because insurance providers are so selective about paying for LifeFlight, it is often recommended that people look into these LifeFlight memberships and find a good personal injury lawyer.
A personal injury lawyer may be able to help find loopholes that require your insurance company to pay for some if not all of the costs of a medical flight.
Before you purchase LifeFlight insurance, make sure to discuss with your insurance agent whether LifeFlight expenses are covered under your current insurance policy.
Case Studies: Life Insurance Coverage for LifeFlight
Case Study 1: John’s Life Insurance Policy
John, a 45-year-old individual, had a comprehensive life insurance policy that included coverage for medical emergencies. Unfortunately, he was involved in a severe accident that required immediate medical attention.
A LifeFlight was arranged to transport him to the nearest trauma center. As the medical expenses incurred during the LifeFlight were considered medically necessary, John’s life insurance policy covered the cost, providing financial relief during a critical situation.
Case Study 2: Sarah’s Health Insurance Policy
Sarah, a 35-year-old woman, had health insurance coverage through her employer. She fell seriously ill and needed urgent medical care. Due to the severity of her condition, she was airlifted via LifeFlight to a specialized medical facility.
Fortunately, Sarah’s health insurance policy covered the expenses associated with the LifeFlight, including the transportation and medical services provided during the flight. This coverage greatly alleviated the financial burden on Sarah during her medical crisis.
Case Study 3: Michael’s Life Insurance Payout
Michael, a 50-year-old individual, unfortunately lost his father in a tragic accident. His father had a substantial life insurance policy that included a death benefit payout.
With the high cost of a LifeFlight being a concern, Michael was relieved to discover that a portion of the life insurance payout could be utilized to cover the expenses associated with the LifeFlight for his father.
Although it was not the intended use of the life insurance policy, it provided Michael and his family with the means to handle the financial aspect of the emergency transport.
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LifeFlight: The Bottom Line
Although it may be a necessary medical expense, LifeFlight is not always covered by your insurance provider. Often, an insurance company will deem a LifeFlight helicopter ride an unnecessary expense and refuse to pay for the service, leaving patients with all costs.
Since it is a medical expense, LifeFlight is not typically covered by a life insurance policy. However, you may use life insurance payout money or pull it from your cash value account to help alleviate some of the costs of a medical flight.
You can also look into purchasing a LifeFlight membership through an air ambulance organization. These memberships are low-cost and will be extremely useful in keeping you from paying the entire LifeFlight cost out-of-pocket.
Similarly, if you have had a LifeFlight or think you may need one in the future, look into hiring a personal injury lawyer to help mediate the expenses with your insurance company.
If LifeFlight insurance is something you need, talk with your insurance agent to know whether or not LifeFlight is covered under your insurance policy.
Ready to search for life insurance policies that cover LifeFlight? Enter your ZIP code into our free online tool for instant life insurance quotes from companies near you today.
Frequently Asked Questions
Will life insurance cover the cost of LifeFlight services?
Life insurance policies typically do not directly cover the cost of LifeFlight or air ambulance services. Life insurance is designed to provide a death benefit to the beneficiaries upon the insured’s passing, rather than covering specific medical or emergency transportation expenses.
What is LifeFlight?
LifeFlight refers to emergency medical transport services provided by helicopters or fixed-wing aircraft. These services are often used in critical or life-threatening situations when rapid transportation is required to reach a medical facility.
Does health insurance cover the cost of LifeFlight?
Health insurance plans may cover a portion of the cost of LifeFlight services, depending on the specific plan and its coverage provisions. It is important to review your health insurance policy or contact your health insurance provider to understand the coverage details related to emergency medical transportation.
How are the costs of LifeFlight services typically covered?
The costs associated with LifeFlight services are typically billed directly to the patient or the patient’s health insurance provider. The extent of coverage and the amount the patient is responsible for can vary depending on factors such as the insurance plan, deductibles, co-pays, and any out-of-network considerations.
Can I purchase separate coverage for air ambulance services?
Yes, there are specialized insurance policies available, known as air ambulance coverage or medical evacuation insurance, that specifically cover the costs of air ambulance services. These policies can be purchased separately and provide coverage for emergency medical transport via helicopter or fixed-wing aircraft. It is important to carefully review the policy terms and limitations before purchasing such coverage.
What should I consider when evaluating the need for air ambulance coverage?
When evaluating the need for air ambulance coverage, consider factors such as your geographical location, proximity to medical facilities, personal health conditions, and any existing coverage provided by your health insurance plan. If you live in a remote area or frequently engage in activities that may increase the likelihood of requiring emergency medical transport, air ambulance coverage could provide valuable financial protection.
How can I determine if my health insurance covers air ambulance services?
To determine if your health insurance covers air ambulance services, review your health insurance policy documents, including the summary of benefits and coverage. Look for information related to emergency medical transportation, out-of-network coverage, and any specific provisions regarding air ambulance services. If you are unsure or need clarification, contact your health insurance provider directly to inquire about your coverage.
How much does a life flight cost with insurance?
The cost of a life flight with insurance varies based on the policy and provider. Many insurance plans cover a significant portion of the cost, but out-of-pocket expenses may still apply. The exact amount covered depends on the specifics of the insurance plan and the medical emergency.
Does insurance cover life flight?
In many cases, insurance covers life flights, especially if the transport is deemed medically necessary. Coverage details depend on the insurance provider and plan. It’s important to review your policy or contact your insurance company to understand your coverage.
Does Medicare cover life flight?
Medicare may cover life flight services if they are deemed medically necessary and if certain conditions are met. Typically, Medicare Part B covers emergency transportation, but coverage specifics can vary. Verify with Medicare or your insurance provider for detailed information.
How much does a life flight cost without insurance?
Without insurance, a life flight can be very expensive, often ranging from $20,000 to $50,000 or more, depending on the distance and the service provider. Costs include the flight itself, medical care during transport, and other related expenses.
Is life flight insurance worth it?
Life flight insurance can be worth it if you want to minimize out-of-pocket costs for emergency air transport. It is especially useful for those without comprehensive health insurance or in areas where air ambulance services are expensive.
Does health insurance cover helicopter rides?
Health insurance often covers helicopter rides if they are deemed medically necessary. However, coverage details can vary widely between plans. Check with your insurance provider to confirm coverage specifics.
Does Medicaid cover life flight?
Medicaid may cover life flights if they are considered medically necessary. Coverage specifics can vary by state and individual Medicaid plan. Contact Medicaid or your healthcare provider for detailed information.
How does life flight work?
Life flight involves airlifting patients from the scene of an emergency or between medical facilities using helicopters or fixed-wing aircraft. The service is typically used for urgent situations requiring rapid transport due to time-sensitive medical needs.
How much does a flight for life cost?
The cost of a flight for life varies widely based on factors such as distance, type of aircraft, and medical needs. On average, it can range from $20,000 to $50,000 or more. Insurance may cover part or all of the cost depending on the plan.
How much does Aflac pay for an ambulance ride?
Aflac’s coverage for ambulance rides depends on the specific policy and benefits. Typically, Aflac provides a set benefit amount for ambulance services, but it’s important to review your policy details for exact coverage.
How much does an air ambulance flight cost?
An air ambulance flight can be very costly, typically ranging from $20,000 to $50,000 or more, depending on factors such as distance, type of aircraft, and medical needs. Costs can be covered partially or fully by insurance, depending on the policy.
How much does it cost to be airlifted?
The cost of being airlifted can vary significantly, often ranging from $20,000 to $50,000 or more. This includes the flight and medical services provided during transport. Insurance coverage can significantly affect out-of-pocket costs.
How much does life flight cost in Ohio?
In Ohio, the cost of life flight services generally falls between $20,000 and $50,000 or more, depending on the specifics of the flight and medical needs. Costs may vary based on the provider and distance.
How much does Lifestar cost in CT?
Lifestar services in Connecticut typically range from $20,000 to $50,000 or more, depending on the distance and medical requirements. The cost may be partially or fully covered by insurance.
How much does Medflight cost?
Medflight costs can vary widely, generally ranging from $20,000 to $50,000 or more, depending on factors such as the distance flown and the level of medical care required during the flight.
How much is a Care Flight?
Care Flight costs generally range from $20,000 to $50,000 or more, depending on factors such as the distance of the flight and the medical needs of the patient. Insurance coverage can affect out-of-pocket expenses.
How much is a helicopter ride to the hospital with insurance?
With insurance, the cost of a helicopter ride to the hospital can vary. Insurance may cover a significant portion of the cost, but out-of-pocket expenses may still apply. Coverage details depend on the insurance plan and provider.
How much is an annual life flight membership?
An annual life flight membership typically costs between $50 and $200, depending on the provider and coverage details. Membership often includes coverage for emergency air transport services.
Is air ambulance insurance worth it?
Air ambulance insurance can be worth it if you want to avoid high out-of-pocket costs for emergency air transport. It provides financial protection in case you need a life flight, especially if your primary insurance does not fully cover the service.
Is Careflight insurance worth it?
Careflight insurance can be beneficial if you want to protect yourself from the high costs associated with emergency air transport. It can be especially valuable if your primary insurance has limited coverage for air ambulance services.
What does an air ambulance cost?
An air ambulance typically costs between $20,000 and $50,000 or more, depending on factors such as distance, aircraft type, and medical needs. Insurance may cover part or all of the cost, depending on the policy.
What is a life flight?
A life flight is a form of emergency air transport used to move patients quickly between medical facilities or from the scene of an emergency. It typically involves helicopters or fixed-wing aircraft equipped with medical equipment.
What is an air ambulance?
An air ambulance is a specially equipped aircraft used to transport patients in need of urgent medical care. It includes helicopters and fixed-wing planes with medical staff and equipment to provide care during transport.
What is life flight insurance?
Life flight insurance is a type of coverage that helps pay for the costs associated with emergency air transport services. It provides financial protection in case you need a life flight due to a medical emergency.
Where is life flight located?
Life flight services are located throughout the country, typically operated by hospitals, emergency medical services, or specialized air ambulance companies. Locations vary depending on the provider and region.
Who pays for life flight?
The cost of life flight can be paid by insurance, the patient, or a combination of both. Insurance coverage varies, so it’s important to check with your insurance provider to understand your financial responsibility.
Will insurance cover a flying ambulance?
Insurance coverage for a flying ambulance, or life flight, depends on the policy and provider. Many insurance plans cover life flight services, but out-of-pocket expenses may still apply. Check with your insurance provider for details.
Will Medicare pay for life flight?
Medicare may cover life flight services if they are deemed medically necessary and meet certain conditions. Coverage specifics can vary, so it’s important to verify with Medicare or your insurance provider.
What is life flight insurance in Washington State?
Life flight insurance in Washington State provides coverage for emergency air transportation services, such as helicopter or fixed-wing aircraft, in critical situations. This insurance typically covers the cost of the flight, but the specifics can vary between providers. It’s designed to reduce out-of-pocket expenses for patients who require urgent medical transport to specialized care facilities.
What does life flight insurance cover in Georgia?
In Georgia, life flight insurance generally covers the cost of emergency air transportation for medical emergencies. This includes helicopter or airplane transport to a hospital or medical facility. Coverage details can vary, so it’s important to review your policy to understand what is included and any potential limitations.
How does life flight insurance work in Montana?
Life flight insurance in Montana operates by covering the costs associated with emergency air medical transport. When an emergency situation arises, the insurance policy helps pay for the flight service, which can be quite expensive. The insurance typically requires a membership or policy that needs to be purchased in advance.
What are the benefits of life flight insurance in Tennessee?
In Tennessee, life flight insurance offers several benefits, including reduced financial burden from the high cost of emergency air transport, quick access to specialized medical care, and peace of mind knowing that emergency transport services are covered. It can be especially valuable in rural areas where ground transport may be limited or delayed.
How can I get a life flight membership in Oregon?
To obtain a life flight membership in Oregon, you can contact local air ambulance services or organizations that offer membership programs. These memberships often include coverage for emergency air transport and may offer additional benefits such as discounts on services or access to a network of medical transport providers.
What does life flight insurance include in Idaho?
Life flight insurance in Idaho typically includes coverage for emergency air transport services, such as helicopter or airplane transport, to medical facilities. This insurance helps cover the costs associated with these services, reducing out-of-pocket expenses for the insured in critical medical situations.
What does helicopter insurance cover in California?
Life flight insurance in California typically provides coverage for various services, including liability for damage or injuries caused by the helicopter, physical damage to the helicopter itself, and passenger coverage. This type of insurance is crucial for both private and commercial helicopter operations to meet regulatory requirements and safeguard against financial losses.
Your life insurance quotes are always free.
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Heidi Mertlich
Licensed Life Insurance Agent
Heidi works with top-rated life insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the ...
Licensed Life Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.