When other transportation is not appropriate, this benefit covers ambulance services for transportation 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.
• Home (if determined medically necessary).

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

UMP pays for ambulance services at 80% of the UMP allowed amount.

Emergency air ambulance services are covered only when all of the following criteria are met:

• Ground ambulance is not appropriate.
• The situation is a medical emergency.
• Air ambulance is the only appropriate transportation, based on UMP's decision about medical necessity.
• Transport is to the nearest facility able to provide the care you need.