NOTE: Since UMP does not contract with ambulance services providers, these services are paid at the out-of-area rate (80% of the allowed amount).

Ground Ambulance

Professional ground ambulance services are covered in a medical emergency:

• From the site of the medical emergency to the nearest facility equipped to treat the medical emergency.
• From one facility to the nearest other facility equipped to give further treatment.

In addition, when other means of transportation are considered unsafe due to your medical condition, the plan covers professional ambulance services:

• From one facility to another facility, for inpatient or outpatient treatment.
• From home to a facility.
• From a facility to your home.

Air or Water Ambulance

Air and water professional ambulance services are covered only when all of the following conditions are met:

• Ground ambulance is not appropriate.
• The situation is a medical emergency.
• Air or water ambulance is medically necessary.
• Transport is to the nearest facility able to provide the care you need.

ALERT! If you travel outside the U.S., consider getting special insurance for air ambulance services. This plan covers air ambulance only to the nearest facility, such as a hospital, that can provide the care you need. Even if you or your doctor would rather you be sent to a facility closer to home, the plan will not cover the transportation.

NOTE: The plan does not cover “cabulance” services; see exclusion 5 under “What the Plan Doesn’t Cover.”