A look at the costs associated with a life flight, influencing factors, and the role of insurance and travel assistance.
Published on July 6th, 2023 in Air Ambulance, Life Flight
There are few things in life as scary as being life flighted.
First, if somebody requires the use of an air ambulance, that means they’re in pretty bad shape. Common situations include:
In any of these scenarios, it’s a Terrifying Situation.
The second frightening thing about a life flight is the cost… between the aircraft, the pilot, the medical personnel, and a myriad of other factors, the cost can reach between five and six figures depending on the circumstances.
In this post, we’ll break down the costs associated with a life flight, the factors that influence cost, the role of health insurance, and alternatives.
Let’s get started!
How much does a life flight cost?
The average cost of life flight within the U.S. ranges between $12,000 and $25,000, according to NAIC (National Association of Insurance Commissioners). This is based on a 52-mile trip, which is also the average distance. This figure represents an out-of-pocket cost when not covered by insurance or calculated before an insurance company steps in. International flights can easily cost 3 to 5 times that amount.
Depending on the circumstances, however, the cost can be much, much greater.
In December 2020, Sean Deines was diagnosed with acute lymphoblastic leukemia (a fast-growing blood cancer) and took an air ambulance from Colorado to North Carolina, which also included ground transportation between hospitals and airports. His total bill was $489,000.
So why did this air ambulance cost so much more than the average? Because of the various factors involved in determining the total cost.
Factors that influence the cost of life flight
Costs in health care are notoriously complex in their calculation. There are many socio-economic factors that are beyond the scope of this article, but we will dive into some of the more tangible circumstances that affect the cost of emergency air medical transport.
Distance traveled
As you can imagine, much of the cost is calculated from the distance traveled—the longer the trip, the greater the cost. These costs flow logically and naturally—more miles flown means more fuel used, more hours for the crew, etc.
In the example above, Sean Deines $489,000 life flight and ground transportation covered 1,468 miles from Colorado to his home state of North Carolina. Considering the average trip is only 52 miles, you can start to see how the distance traveled significantly affects the cost.
Fixed-wing aircraft vs helicopter
Many people think a life flight means that the patient was flown in a helicopter, but that’s not necessarily true. Fixed-wing aircrafts are frequently used as air ambulances when the situation allows. And due to reduced costs, fixed-wing air ambulances are often preferred over helicopter flights.
There are a few situations in which an airplane is a much better option than a helicopter:
The equipment and staff required
To state the obvious, the bigger the plane, the bigger the bill. Other factors that can potentially increase the cost of air medical transport include if the patient requires specialized equipment or specialty medical personnel to administer to their needs. For context, many of these aircrafts are basically flying emergency rooms; equipped with sophisticated medical technology to ensure the patient remains stable during transport.
International transportation
When crossing country borders or repatriating, there can be additional costs involved. Many airports charge landing and handling fees when patients are transferred using chartered planes, which adds to the cost of the flight.
There is generally paperwork required to obtain approval to fly from one country to another that is set by local regulatory agencies. Depending on the circumstance, there is potentially a cost to this process as well.
Lastly, if a patient is being transferred from a nation that is deemed a conflict zone or a high-risk area, obtaining authorization for emergency repatriation can be costly, which increases the total medical repatriation costs.
Does health insurance cover the cost?
Let’s begin this section with an obvious caveat:
All health insurance plans are different, and your best bet to understand if your individual life flight situation will be covered by insurance is to speak directly with your provider.
That said, there are some things you should know.
The most significant factor in determining if life flight services will be covered by an insurance plan offered through their employer, a self-insurance plan, Medicare, or Medicaid is if the service is deemed “medically necessary.” This term, however, is up to interpretation by the insurance provider.
For example, if somebody has a serious medical emergency, is admitted to a medical facility where they can be sufficiently treated, but chooses to engage life flight services back to their preferred hospital, the flight could potentially be deemed unnecessary because they could have been treated on site.
To put this in context, there are roughly 550,000 life flights every year in the United States, according to the Association of Air Medical Services. The majority of these air medical trips are due to accidents and emergencies, as opposed to pre-planned transportation. With that in mind, there is a possibility your insurance plan will cover a life flight in those situations.
If your health plan does cover air ambulance services, your out-of-pocket costs could be as low as your copay and/or out-of-pocket maximums of your insurance coverage; this assumes the air ambulance is in-network and deemed “medically necessary,” of course.
However, according to the NAIC, between 50-69% of air ambulance flights are out-of-network, and thus could lead to out-of-pocket costs totalling thousands of dollars even with insurance. There are dozens of examples of disputes between insurance companies and their customers regarding unexpected bills for life flights.
The No Surprises Act, in effect since January 2022, was designed to help cut down on these types of massive, unexpected medical bills due to engaging out-of-network services during emergencies. The bill places particular emphasis on out-of-network air ambulances, but ground transportation (often included in emergency medical transport) is not included, so consumers may still receive an unexpected bill as a result.
Apart from insurance companies, many travel assistance providers offer medical evacuation and transport as part of their core services. Emergency Assistance Plus (EA+) offers emergency medical evacuation via ground or air ambulance if deemed medically necessary to get you to a more appropriate hospital if your current facility can’t properly treat your medical condition.
Note: Engaging a travel assistance provider for help with air ambulances is completely separate from using your health insurance. For example, if you’re an EA+ member and require an air ambulance under eligible circumstances, EA+ arranges and provides the medically necessary evacuation without needing to coordinate with your primary insurance.
If you have any doubts about what your insurance company may be able to provide in terms of coverage for life flights, be sure to check out travel assistance services.
Here’s a real story from one of our members who required emergency medical transport via air ambulance:
My wife became seriously ill during a stay at our condo in Tennessee. I called 911 and she was transported to a nearby medical center and admitted. After 12 days of treatment, it was determined my wife needed specialized care not available at the current facility. I contacted EA+ and they worked with my wife’s doctors to finalize arrangements for transfer by air ambulance to a hospital in Knoxville.
I would like to commend the team at EA+ and the staff that made the air ambulance trip with my wife. They were all very professional. The entire staff at the hospital in Knoxville could not believe the way EA+ did everything that was promised. Your staff could not have been any better to me and my wife.
I have told many people about this amazing program. I am proud to endorse EA+.
David H., Tennessee
For more information on services and costs, please feel free to check out our website or call us at: 1-866-863-4460.
If a medical emergency occurs while you’re traveling—either domestically or abroad—you want to know that you and your loved ones are well-protected. Emergency Assistance Plus not only offers that protection but the peace of mind to explore the world with confidence.
