When facing a medical crisis, the most important thing next to getting the life-saving care you need is knowing how you’re going to pay for it.

Medical air transport is very expensive. Depending on the insurance provider, figuring out how to cover the high costs of a medical flight can be a serious struggle. So if tragedy strikes and you or a loved one needs medical air transport – will you be covered? And what limitations or exclusions exist? And finally, are there solutions that can help? Here’s what you need to know.

How to know if you’re covered for medical air transport

Medical air transport is expensive, with flights normally running anywhere between $50,000 and $200,000 plus, depending on how far you have to travel and how much care you require. And getting an insurance provider to pay 100% is tricky because coverage varies across every provider and plan. So while a few may cover a good percentage of the flight’s cost, full coverage is rare. Before any of that can happen though, your provider must first determine whether or not the flight is medically necessary. Unfortunately, getting solid answers to all of these questions could mean hours on the phone with your provider. If that doesn’t sound like your idea of a good time, American Air Assistance will do it for you.

What your insurance provider won’t cover

Medical air transport is much more common than you think. Over 400,000 medical transport flights are completed every year, which breaks down to about 1,100 daily. Realistically, if you live in a remote or rural area, it is not a question of “if”, but “when” you or a loved one will require medical air transport. Based on your insurance policy, you may have to foot the bill for a good portion of that cost via coinsurance and/or deductibles. This could mean thousands of dollars out of your pocket. Worse still, if the medical transport flight is out-of-network, and it likely will be, you’ll have to make up for that difference in cost.

How to cover yourself and your whole family

At some point, every family experiences a medical crisis like a life-threatening illness or organ transplant. Factor in that too many regional hospitals are either ill-equipped to handle specialized treatment or worse – closing down entirely – and you’ll understand why medical air transport flights are so common and medically necessary. But if insurance can’t help, what choice do you have?

With an American Air Assistance membership, you can get the benefits of medical air transport without the costs. We take care of everything – insurance checks, pre-approvals, scheduling and coordination, medical personnel and most importantly, safe transfer for you or a family member between medical facilities. Your membership fees go toward your out-of-pocket expenses such as deductibles or coinsurance, and we work with your insurance company to cover the remainder.

Even when things are at their worst, you can protect what matters most. All you have to do is make one call.

Learn more about becoming a member today.