FREQUENTLY ASKED
QUESTIONS

Brokers are compensated through a commission pay for each MASA plan sold and maintained as a renewal.

One of the great things about MASA is that you never need to wait for an enrollment period. Your clients can elect MASA plans at any point in the year with protection beginning at the start of the next month.

MASA can be offered to groups as any of the following options: employer-provided, cost-sharing, payroll deduction, or bundled into the benefits offering.

Submitting invoices or bills to MASA is extremely easy. Simply send the ambulance bill to MASA with the member number clearly written on the front. You can email it to ambulanceclaims@masaglobal.com, fax it to 817-681-2399, or mail it to MASA—Claims Department, 1301 International Parkway, Suite 300, Sunrise, FL 33323. Or, the member can also log in and upload their bill or check the status of an existing claim in the member portal.

MASA is a flexible and easy addition to any benefits package. You can offer MASA separately, or add it to your general health insurance. MASA can be beneficial for everyone to have, which is why we price it so affordably. Not only will MASA differentiate your offerings from other brokers, but it also provides increased financial protection and complete peace of mind for your clients.

Due to our affordable plans, self-insured employers can enjoy the same benefits as large corporations for the same cost. These benefits are a necessity for almost every citizen in the United States. With modern health insurance coverage leaving so many gaps, MASA is a great way to protect your finances in the event of any emergency.

Due to the nature of modern health insurance, there’s an almost 80% chance that an individual could be responsible for a large portion of an ground emergency transportation bill. Even if health insurance covers part of the bill, there are many scenarios where they may not cover the total cost. The ambulance that picks them up may be out-of-network, the reason for the trip may not be deemed a medical necessity, or they might still have to meet their health insurance deductible.

Source:
Consumer Reports, Your Ambulance Ride Could Still Leave You With a Surprise Medical Bill

There are over 27,000 ambulance companies operating in the United States. Some companies are run by cities and states, others are run by local or national companies. Many insurance plans only cover in-network ambulance companies. Even if an individual heads to an in-network hospital, the ambulance itself could be out-of-network and leave them with a “balance bill.” MASA offers protection for ALL ambulance companies operating within the continental United States, Alaska, Hawaii, and while traveling in Canada.

Source:
IBIS World, Ambulance Services Industry in the US – Market Research Report

Medical necessity is established when any other transportation method (besides an ambulance) would endanger the patient’s life. For example, let’s say an individual experiencing symptoms associated with a heart attack ends up taking an ambulance to the hospital. If their health insurance decides that the cause of symptoms (perhaps indigestion, heartburn, or a panic attack) doesn’t meet their requirements for an ambulance, they could deny the claim and potentially leave the individual on the hook for thousands of dollars.

MASA works hand-in-hand with the benefits health plan administrators and transport companies to ensure members have no out-of-pocket costs no matter which provider completes the ambulance transport within the continental United States, Alaska, Hawaii, and while traveling in Canada. Additionally, our protections apply regardless of network. In the event of an emergency, simply call 911 and get to the hospital. When a member receives the bill from the ambulance company, just submit it to MASA.

• No health questions
• No age limits
• No claim forms (bills must be submitted within 180 days)
• No deductibles
• No network limitations

The average cost of a ground ambulance is $1,500. Depending on which provider picks up, the personnel on board and the amount of miles traveled, the bill can get expensive.

Source:
HealthCareInsider, Why Ambulances Are So Expensive

Yes! Our goal is to leave MASA members with complete peace of mind. We will cover all eligible copays, even if the deductible hasn’t been met yet.

A member should call MASA after they receive a bill from any emergency medical transportation ambulance provider.

With our family plans, MASA covers the member, their partner, and all children under the age of 26 in their household.