Included below are a list of our most frequently asked questions about LifeSave Memberships and Billing. For any additional questions, please call 1.833.867.5095 to be connected with a LifeSave membership or billing specialist, or submit an information request.
What is the benefit of membership to you?
Although you do not have to be a member to be transported, membership offers several important benefits. LifeSave will work on your behalf with your benefits provider to secure payment for your transport, with any uncovered amounts considered to be fully prepaid. Members who are transported by LifeSave will not receive a bill for the flight. Your membership is valid in all of our service areas so you are covered while traveling in those areas.
What does my membership include?
Members are entitled to transport by an available LifeSave helicopter or fixed wing to the closest appropriate medical facility for medical conditions deemed by an attending medical professional to be life- or limb-threatening, or that could lead to permanent disability.
Is there a limit to the number of flights a member can have in a year?
There is no limit to the number of flights a member may take in a year, however, each flight must be medically necessary.
Is my entire family covered on the membership?
With a LifeSave household membership, all family members who reside at your residence may be covered by the membership. College students may be covered by the household membership if their primary address is the same as your residence.
As a LifeSave member, if I am transported by a ground ambulance or another air ambulance service, who is responsible for the bill?
If LifeSave does not transport you, you will be responsible for payment of the bill. Our membership program only covers transports by our service.
Is a LifeSave membership considered insurance?
No. LifeSave is not an insurance company. A LifeSave membership is not an insurance policy and cannot be considered as secondary insurance coverage or as supplemental coverage to any insurance policy. Membership provides prepaid protection against covered LifeSave ambulance transportation costs that exceed a member’s health insurance or medical benefits.
Why do I need this membership if my insurance company says they will cover 100%?
Most insurance companies will pay 100% of what they deem an allowable amount for air ambulance, which does not necessarily mean that the total cost of the flight will be covered. Additionally, people frequently change insurance companies and plan designs. You may want to check with your individual insurance company to find out exactly how much they will cover in the case of an air ambulance transport.
If I have Medicaid, do I need a membership?
No. Some state laws prohibit Medicaid beneficiaries from being offered membership or accepted into membership programs. As part of our application process, members certify to LifeSave that they are not Medicaid beneficiaries, with LifeSave accepting Medicaid as full payment for services rendered.
If I have a medical emergency, who should I call?
Call your local 9-1-1 service. The 9-1-1 dispatchers are trained to get specific information about the medical emergency from the caller and determine what type of medical transportation best fits the situation.
What will I have to pay if I have Medicare or supplemental insurance?
LifeSave will bill Medicare or your supplemental insurance company. Our members are guaranteed no out-of-pocket expenses for emergency air ambulance transport by LifeSave. Membership ensures you will have no additional out- of-pocket expenses.
Does LifeSave work with Blue Cross Blue Shield Insurance?
Yes, LifeSave is an In-Network Provider with Blue Cross Blue Shield. This means that in the event you are flown by LifeSave and have Blue Cross Blue Shield insurance, they will pay on your flight and as a partner LifeSave writes off a contracted portion of the flight cost rather than bill the total cost to the patient. LifeSave’s in-house billing department extends patient care far after the flight by working directly with your insurance company to secure payment and submit any appeals needed instead of burdening the patient.
How will emergency personnel know that I am a LifeSave member?
You may make the 9-1-1/ground ambulance service aware that you are a LifeSave member so that in the event they plan to request an air ambulance, they know your preference is for LifeSave. As a member of LifeSave, you will receive an identification card and stickers for your vehicle. All of these items allow emergency personnel to identify that you are a LifeSave member.
Who determines if and when I will be flown?
If your medical emergency meets certain criteria, such as a heart attack, stroke or a traumatic injury and the 911 dispatcher determines you would benefit from air medical transport, they will dispatch an air ambulance to your emergency, as well as a ground ambulance. In the event that the LifeSave Operations Center receives a call for emergency help from an individual or source other than a healthcare or emergency services agency, LifeSave communication specialists will identify and contact the ground EMS service in the patient’s community and ask them to respond to the scene, in addition to the air ambulance.
If I am being transferred from a hospital or clinic by a doctor, can I request which flight program I prefer?
Yes. Tell the referring doctor or hospital that you have a LifeSave membership and request they call LifeSave. We suggest you supply your membership card to the admitting clerk at the hospital or clinic so that your physician is aware that you belong to the LifeSave membership program.
Does my membership ensure that LifeSave will fly me, no matter what type of medical care I need?
Air ambulances should be reserved for those times when a patient is facing a critical injury and we believe it is in their best interest to get to medical care at a rapid rate. LifeSave will not transport patients by air if air transportation is not believed to be medically necessary.
Who decides where to fly patients?
When an aircraft is called, time is of the essence. Patients in life threatening situations often need specialty centers to provide the interventions needed. LifeSave will take a patient to the closest appropriate medical facility. Whenever possible, physicians or EMS personnel consult with the patient or the patient’s families as decisions are being made.
Will an aircraft always be available if I need one?
There may be times when the aircraft in your area is committed on another patient flight or is out of services for maintenance or weather-related issues. In those instances, we may be able to call one of our other LifeSave aircraft from an adjoining service area. In some cases, however, you may need to be transported by a ground ambulance or another air ambulance services. It is important that you get to the medical care you need as quickly as possible, no matter what the mode of transportation, so you will have the best chances for survival and degree of recovery.
Are there other reasons why a LifeSave aircraft might not be able to fly me?
Safety of the patient and our flight crews is the primary determinant of whether we accept a flight. Federal Aviation Administration restrictions prohibit LifeSave from transporting patients under certain conditions, such as flying in inclement weather or when weight limits are exceeded.
For any additional questions regarding LifeSave Membership or Billing, you can contact us here on our website or call 316-932-1440 to talk with one of our membership specialists.