1. What does my Life Care Plus Membership cover?
Out-of-pocket costs for medically necessary ambulance transportation by Life EMS Ambulance. We will bill your insurance company for medically necessary transports to or from a hospital within our coverage area and consider the insurance payment as payment in full, so you are not billed for co-pays or deductibles. You will receive discounted rates on non-medically necessary ambulance transportation within our coverage area as well as discounted rates on wheelchair/mobility transportation.
2. Who in my home is covered by this program?
The Life Care Plus program covers anyone residing in your household. A “household” is defined as you and your spouse, or single parents, their children under the age of 21 living at the same address or a single individual household.
3. What is Medically Necessary?
The Centers for Medicare & Medicaid (CMS) indicates medical necessity exists when the medical condition of the patient is such that travel by means other than ambulance would harm or endanger their life.
4. Is there any restriction on the number of times I can use my Life Care Plus membership?
No. The only restriction is related to medical need. Any time ambulance service is medically necessary, we will bill your insurance. You may use our ambulance service when it is not medically necessary and as a Life Care Plus member you will be billed at a discounted rate.
5. What is not covered by my Life Care Plus membership?
Transportation by ambulance services other than Life EMS Ambulance. Services outside of our coverage area. Transports that are not medically necessary.
6. Why do you bill my health insurance when I have a Life Care Plus membership?
Life Care Plus is not insurance but a membership program which offers you savings on balances after insurance payment. We must comply with State and Federal Regulations which dictate how we bill for our services. We accept what your insurance pays as payment-in-full on medically necessary ambulance transports.
7. Why do you bill me for wheelchair/mobility transports when I am a member?
Medicare, Medicaid, BCBS and most insurances do not recognize wheelchair/mobility transports as medical transportation. Our wheelchair/mobility transports are a licensed service for the mobility impaired. This service is billed to Life Care Plus members at a discounted rate.
8. I already have insurance. How do I know if Life Care Plus will benefit me?
Insurance policies and coverage differ. We suggest you contact your insurance company directly and inquire if they cover ambulance transportation and if you will have any out-of-pocket costs (co-pay and/or deductible). If your policy does not cover the entire cost of ambulance transportation, Life Care Plus may save you money.
9. I have legal Power of Attorney (POA) for a family member. How can I enroll him/her?
If you are the POA of the person signing up for membership, you may sign the application on their behalf with “POA” behind your name. If you want the mailing address for the member to be your mailing address, we will need to have a copy of the POA paperwork on file or the member can sign the application, giving us permission to change the mailing address.

Feel free to call or contact us with your questions about Life Care Plus membership. Our thousands of members can attest to the savings. Peace of mind has never been more affordable!