Why American ambulance rides are so expensive
139 points
6 hours ago
| 27 comments
| davidoks.blog
| HN
grogenaut
57 minutes ago
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He refused to go in an ambulance the first time. He could have refused the second ride. You can refuse transport or medical care at any time as long as you are able to make rational decisions.

As an EMT if you're A&Ox4, alert to time, place, person and event, you make the choices. You do sign a release so we have proof we didn't abandon you, but you make the choice.

My department, a small rural one with a small tax base which happens to cover a lot of injuries because we have 20 miles of dangerous mountain pass freeway and a ski and mountain bike area, only charge for calls if we transport. I think a transport is around $900. Our minimum transport is 37 miles. We scale it down depending on income and type of event. We're not massive sticklers about it. We're just trying to cover wear and tear on big expensive vehicles for all the non-transports, winter driving, equipment, uniforms, training, etc. Most of our "business" comes from "transients" eg folks who don't live there, eg those skiing, hiking, biking, or driving over the pass.

This is also very much not the norm. But should explain a bit about those who do pay are covering those who don't.

We don't want a chilling effect on calling 911 for precautionary stuff. We'd rather show up 99 times and check people out and let them go than miss the impending cardiac event. And we get those. It's very interesting just how much going over a 4k foot pass stresses people on the edge. Many of our medica calls are people driving to seattle for deeper care and things exacerbating when they get to 4k feet.

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gruez
5 hours ago
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As much as I like articles that tries to use economics or finance to explain stuff, the "options" analogy is a bit hamfisted. The article starts off by noting about how ambulance is an "option" for a rescue, but even though the analogy might vaguely work, it's not really needed to answer the question. That can be answered far more simply: "medicare and insurance companies pay them too little, so they have to charge everyone else more". Or, from the article:

>This meant that the payment structure and the cost structure were increasingly mismatched: and so ambulance services had to pay for their round-the-clock readiness by billing for individual rides. [...]

>And notably, the fees that Medicare sets run far below cost. The average ambulance transport costs $2,673 to provide; Medicare pays only about $329 of that. A typical ambulance ride for a Medicare patient, in other words, loses theambulance service thousands of dollars.

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jjk166
4 hours ago
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> The average ambulance transport costs $2,673 to provide

I think this ignores the 400 pound gorilla in the room. Why does an ambulance transport cost thousands for the operator? This is a short trip in an automobile, essentially a fancy uber ride. At first one might say that's flippant - obviously ambulances are specialized vehicles, and you have paramedics, and they need to get to locations quickly, and so forth, but let's consider those costs.

A new, fully equipped ambulance is about $150k. Of course this is more than a regular car, but by a factor of 5, not 50. Let's be generous and presume the ambulance fully depreciates in 2 years. Typically an ems crew will be two paramedics. Average paramedic wage is about $23/hr. Again, not orders of magnitude more expensive. Then you have liability, both for the vehicle and for the medical treatment; that's about $12k per year. Throw in money for gas and wear and tear, which should be quite comparable to other automobiles, and it costs about $1600 to own and operate an ambulance for 24 hours.

Now the other side of the equation is utilization. Taking the arbitrary example of Philadelphia Fire Department, they have 60 ambulances that handle on average 700 ems calls per day, and approximately 70% of ems calls lead to transport, so that's about 8 transports per ambulance per day. So distributing this all out, the actual cost to the ambulance operator, ignoring overhead, ought to be somewhere around $200.

I'm sure there are some additional costs I haven't included in this back of the envelope calculation, and maybe some of the numbers I pulled off google are off a bit, this should be taken as a very rough estimate. But even if you significantly increase the cost, the medicare payment amount seems quite reasonable to cover the expenses with a healthy profit margin. Unless you want to claim that operating an ambulance is less than 10% of the cost of ambulance transport, and that the estimators with Medicare are absurdly out of touch with reality, whence cometh $2,673?

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justonceokay
3 hours ago
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There’s the cost of supplies used during transport. Also the cost of maintaining potential supplies like blood even if they go unused. EMTs may make $23 but they are also getting benefits and have other overhead, making their real hourly cost probably closer to $50/hr minimum. There’s insurance, which I bet is out the wazoo expensive for ambulance. Ambulances have to be maintained and I would guess have much more regular service than your car at home. Ambulances have to be stored somewhere and secured-access parking isn’t cheap. Many ambulance rounds-trips can be well over an hour considering so many of us live far away from urban centers.

Is it $2600? Probably not. But I think you are low-balling pretty significantly.

Put another way, just getting a plumber to vibe to your house is gonna cost you $200 easy. It’s within reason that an ambulance ride might cost much more than that.

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khuey
3 hours ago
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I don't disagree with what you're saying but I want to point out that it's rather unusual for (American) ambulances to carry blood, and probably more of them should.

https://www.redcross.org/about-us/news-and-events/news/10-wa...

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FireBeyond
3 hours ago
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Correct. The only ambulances that typically will stock blood are specialized NICU ambulances and HEMS (helicopter). Although more progressive agencies are looking more and more at part blood products.
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Spooky23
2 hours ago
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EMTs are like veterinarians. Lovely people who get ruthlessly exploited. Benefits are garbage unless you’re a unionized public employee.
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wombat-man
1 hour ago
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Yeah, every EMT I know was way underpaid for how crazy stressful it was. Especially considering how expensive the ride was
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jmcgough
1 hour ago
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EMT now is often used as a stepping stone to a career with a liveable wage, like physician.
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jjk166
25 minutes ago
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Medical supply costs for transport are very small. The labor overhead costs are overhead. Insurance is included in the estimate.

A plumber charges you $200 to come to your house, it costs the plumber $20 to come to your house. The latter value is what we're discussing here.

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jasonjayr
3 hours ago
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TIL getting an elevator tech to just come out to look at your building's elevator is about $1600. If it's an easy fix, that's all you need to pay. If it's not, it goes up significantly....
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LanceH
1 hour ago
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He wouldn't be much of an elevator repairman if it didn't go up considerably.
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cheesecakegood
2 hours ago
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To be fair, if you pay the repairman, your elevator also goes up :)
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MichaelZuo
3 hours ago
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Don’t they need to sign something legally binding, the moment they adjust even one minor internal part?
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michaelmrose
53 minutes ago
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Most people live in urban environments. Approaching zero are over an hour. As with most people being in urban environments most ambulance rides are in urban environments and go to the nearest hospital meaning that most rides should be under 10 minutes.

There is zero reason to compare cost of ambulance rides to a plumber and "vibe" on how much more expensive an ambulance ride instead of actually looking at the component costs. They aren't remotely related and one tells you nothing about the other.

Both the actual analysis you responded to and this one are also missing the fact that the ambulance is already subsidized and that usage fees aren't actually paying for the ambulance which makes the fees charged more onerous yet.

It might be instructive to look at what Canada charges non-residence as non-residents pay the unsubsidized rate of about $400-$600 Canadian.

https://www.cma.ca/resources/healthcare-real/answers/healthc...

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harmmonica
3 hours ago
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Probably an obvious/dumb thing to say on HN, but I just want every medical service to have this exact type of breakdown. And then we can at least somewhat pierce the veil of health care costs. The thing I can't figure out is why this doesn't already exist, or, if it does, why it's not more widely known amongst laypeople. Everything from ambulance rides to MRI's to surgeries can be baselined and then we can talk about unique situations that can push that baseline price higher, but at least have a baseline. Seems like a good thing for an LLM actually if you could trust it.

As to your specific $200 quote, which others have attempted to refine, it can't be a coincidence that you come up with that number and the Medicare number is $300+, which, if your $200 is even somewhat accurate, seems like a perfectly fair gross margin on what's being delivered. Imagine if the government actually reimburses for cost plus a decent profit margin! Unthinkable the gov could somehow be accurate in their reimbursements.

Edit: spelling

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Insanity
4 hours ago
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+1. The base price for US healthcare is entirely removed from the cost of the service provided. And you can of course just look at other countries to figure out that the cost is much higher than it should be.
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xp84
40 minutes ago
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Some of your estimates on this seem fine, but not this:

liability, both for the vehicle and for the medical treatment; that's about $12k per year.

Insurance on my SUV is close to $3,000 a year, but with the understanding I drive it about 12k miles, and I'm not allowed to speed or run red lights whereas they're guaranteed to be speeding, and driving it around all day and maybe all night. And the ambulance is worth 5x as much as my car is. So I'd be shocked if the combo of their auto insurance + insurance against being sued for rescuing someone wrong is that cheap.

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jjk166
26 minutes ago
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The 12k per year includes medical liability insurance.
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cogman10
4 hours ago
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I think the main expense you are missing is medication and disposable equipment and insurance for the ambulance and medical malpractice.

Otherwise, yeah, I suspect the other major cost is the "It's the mayor's brother's business" cost and the "private equity has figured out how to extract maximum value" cost.

That said, there's no reason the patent should be charged anything. It should be entirely a tax burden of the citizens. It's crazy to make some decide between death and crippling debt.

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jjk166
19 minutes ago
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Insurance is included.
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socalgal2
2 hours ago
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You forgot the cost of insurance when you get sued by the passengers or when you get into an accident since you're racing down the road hoping people are paying attention and get out of the way. No idea what it costs but it's arguably more than an uber driver. 2x? 5x?

There are a ton of other costs. You're not paying for one employee. You're paying for many since ambulances run 24/7. They are also driven hard which means they require more maintenance. The ambulance is also full of expensive equipment and supplies.

My LLM of choice says it actually costs $1000-$2500 per ride to the company for operational costs on top of per-ride costs. You can probably ask one for a breakdown and see if it makes sense to you

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indoorfish
1 hour ago
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"My LLM of choice" is like when the news reporter says "confirmed by someone not authorized to speak publicly". It's not a meaningful report.
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failbuffer
1 hour ago
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Your point about LLMs aside, I'd trust the inside source over whatever carefully baked misrepresentation the PR department doles out.
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jjk166
27 minutes ago
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I didn't forget the cost of insurance.
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somat
2 hours ago
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It may also be telling to figure out why no startup is offering $400 ambulance rides and dominating on volume.
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_carbyau_
1 minute ago
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I for one would love to see a startup called say, "Trauma Team International" or "Docwagon"...
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bombcar
3 hours ago
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You can get an ambulance for only $150k? A transit van with a few options is already $75k.
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tmnvix
2 hours ago
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An interesting take on the relative differences of manufacturing (and purchasing) an ambulance in the US and China: https://www.youtube.com/watch?v=8JcCISp5S64
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bandrami
1 hour ago
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We had to move my non-ambulatory[1] father from Mississippi to Virginia a couple of months ago. The vehicle probably didn't have all the staff and equipment of an ambulance but it did have an RN, a crash cart, and some other expensive crap that goes "ping". The cost was $3K for an 800 mile trip (slightly more because I included the "snacks and a DVD player" package).

[1] Oh, holy crap, I just got why ambulances are called that

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FireBeyond
3 hours ago
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> Typically an ems crew will be two paramedics. Average paramedic wage is about $23/hr.

Paramedics and EMTs aren't the same thing. Private ambulance crews running "dual ALS (advanced life support, i.e. paramedics)" are _exceptionally rare_. Normal staffing is Paramedic and EMT, and most often there are crews that are dual EMT.

Average EMT wage is actually about $18/hr (and in much of the south you can be looking at $15-16/hr).

However where wages do go up, but not in a good way, is overtime. The agency I worked would happily schedule you for 36 or 48 hour _shifts_ and had no weekly hour limit beyond "You must take an 8 hour break after 60 hours of shift", I kid you not - and many people will regularly work 72-96 hour weeks.

The big thing is that private EMS writes off a lot of bills and pushes the balance on everyone else. The holy grail for private EMS agencies is "inter facility -out- of a hospital", as oftentimes the hospital pays the ambulance bill and charges the patient.

You also have to be careful looking at FD provided _transport_ as billing for this is often subsidized by property taxes. There are FDs who will charge for treatment and for transport, for transport only (not for treatment), or for neither (my FD did not charge - but there were also differing policies on when we transported, not by default, so you had people literally - and understandably - peeking out their window to see if it was a red FD ambulance/medic unit outside, or a white private ambulance).

Even above and beyond that, there are a LOT of disposable costs you never recoup. Bedding, blankets, gloves, etc.

> This is a short trip in an automobile, essentially a fancy uber ride.

That is a little flippant, as you acknowledge... good way to offend any paramedic or EMT. I've delivered babies en route to a hospital, including breeches. CPR. Emergency airways.

> A new, fully equipped ambulance is about $150k.

Not any more. Thanks, private equity. You can easily be looking at $400K. And they are vehicles that are driven hard, and cold, and maintenance sucks as a result. No warm up times for engines. Private ambulance, it's common to see rigs with 300,000+ miles on them.

> Then you have liability, both for the vehicle and for the medical treatment; that's about $12k per year.

Not for the medical treatment, no. You can get insurance privately as a paramedic but those policies are generally excess/umbrella style or are specifically "occasional only". The last private agency I worked at with a dozen paramedics and 50+ EMTs had at least mid 6 digit insurance bill.

> Throw in money for gas and wear and tear, which should be quite comparable to other automobiles

For a vehicle that can weigh 10,000lb+, that gets started and stopped often 30 times a day, a lot of time driven "foot to the floor" with an attitude of "it's got to get where it needs to go"? No, although one of the first thing any halfway decent sized agency quickly learns to build out is its own full shop and multiple mechanics (my friend is the Head Mechanic at a local county fire agency and oversees 8 FT mechanics and an auto electrician).

This jumped around a lot, I apologize, and I don't mean to shout you down, at all, but, lest you think I'm defending this state of affairs, I am not, in no way, shape or form.

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kyleee
32 minutes ago
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All in cost of the employee is probably double or more of your example $23 an hour wage, just to flesh out your napkin math
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jjk166
16 minutes ago
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Which would increase the cost to $325, though I was deliberately excluding overhead.
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Spooky23
2 hours ago
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Ambulance crews are almost never 2 paramedics. Most often they transport and do BLS only. If they are it’s because a local government is paying for that service. EMTs make minimum wage.

The people who own ambulances typically have a little cartel like business in a region and print money. They refuse to sign insurance contracts so they are almost always out of network and will not accept direct insurance payments.

When my wife had cancer, she ended up at a hospital that didn’t have the services she needed becuase the ER was full at the trauma center hospital. I was able to arrange a transfer, and paid $1800 for a drive that was approximately 12 city blocks. We had to do that to avoid a complication with hospital admission and coverage. The crew was cool and we did get to honk the siren.

Air ambulance is worse.

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SoftTalker
1 hour ago
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Nobody makes (federal) minimum wage these days. McDonalds employees make double that.
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Spooky23
34 minutes ago
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I don’t live in a red state so we have a bizarrely low minimum.
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mlsu
3 hours ago
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Ah, but you forgot private equity, that's about $2473 of profit per ride that needs to be accounted for. This high cost is what we must pay to keep our economy dynamic and efficient.
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indoorfish
2 hours ago
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IKON passes don't grow on trees you know.. Someone has to rent out in Aspen.
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tbrake
3 hours ago
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> This is a short trip in an automobile, essentially a fancy uber ride.

We need a regulatory body that can fine people for making analogies this bad

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delichon
3 hours ago
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> We need a regulatory body that can fine people for making analogies this bad

We need a communal agreement to apply social opprobrium upon people who reflexively propose to solve trivial problems by imposing their will on other people.

Tsk-tsk.

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pasquinelli
2 hours ago
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i mean their job is transporting people.
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gerdesj
5 hours ago
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Given you find this is _normal_ for a six mile ambulance ride: "and $11,670 as a “base rate.”"

What on earth would you consider normal for a helicopter ride from Exeter to London?

That's roughly 150 miles as the crow flies. Pilot, co-pilot and a medic, minimum crew for say 1.5 hours. Each way, so 300 miles of fuel and aircraft lifetime and three hours of crew cost, not to mention ground crew etc.

My dad got that on the firm when the shit hit the fan and he needed to be seen by specialists in the Royal Brompton and Royal Devon and Exeter decided that was his best shot at life. That was 15 years ago.

Anyway, the OP's bill looked pretty normal until the 11,000 base rate nonsense. How can that possibly be justified?

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gruez
4 hours ago
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> How can that possibly be justified?

They can't make money on some customers (medicare/insurance), so they have to make up the difference however they can. In practice this means screwing over the people who have assets to seize.

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joe_the_user
3 hours ago
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This thread is filled with strong arguments that ambulence operators do make money with medicare.

But even more, it's completely false that the reason an ongoing, working business charges a huge price to some people is that some other people are taking money from them. A business charge people huge prices when it can. Businesses make as much money as they can.

It is true that what health care providers charge individuals tends to be their "opening offer" to insurance companies so they do make this exact argument "we gotta make all our profits on you 'cause everyone else is denying us" but that doesn't make such arguments any more reasonable.

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dripdry45
44 minutes ago
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That 150k figure I believe is quite outdated. New ones are running 300k or more. The ambulance vehicle providers have been bought up by private equity and the lead times are now years to get one.
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arjie
3 hours ago
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You’re right. The cost of the service not matching the direct cost is something we’re familiar with - that’s just fixed cost and entirely normal (happens with books, movies, etc).

This just happens to be the case where you must transport people but most people are net losses. In this scenario, the only surviving companies would be those who charge the remainder sufficient enough that the blended population of clients causes a net pay-in. Everyone who doesn’t account for that will just go out of business.

Being available constantly could be helped with a retainer, it’s true, but even with that we should expect that some patients pay a lot if they’re rarer than the loss-makers.

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Spooky23
1 hour ago
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That’s wrong. The poor people who don’t pay are Medicare and Medicaid patients, and both pay for medically necessary transportation.

Those calls essentially cover the base business expenses.

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Noumenon72
5 hours ago
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"Medicare pays too little" is based on the "fee for service" model; it only makes sense if you believe the group of people who actually use the ambulance should pay its full cost.

The options model matters: if you model an ambulance ride as a roulette wheel, you only expect to pay if you get very unlucky. If you model it as an option, you expect to pay even if you never use it. The former doesn't imply "everyone else should have to pay for my bad luck"; the latter does. It's effective persuasion.

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gruez
5 hours ago
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>The options model matters: if you model an ambulance ride as a roulette wheel, you only expect to pay if you get very unlucky. If you model it as an option, you expect to pay even if you never use it.

There are plenty of services that have high fixed costs but low marginal costs, but we don't use the "options" framing. A movie costs tens to hundreds of millions to make, but otherwise costs very little to deliver. Their price are also fixed, rather than dynamically priced. Yet when a movie bombs, nobody is like "wow I guess they shouldn't have been selling an option for 2 hours of entertainment for $20!". It's a price problem, first and foremost, caused by insurance companies and medicare strongarming them.

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Noumenon72
5 hours ago
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I don't think you fully grasped the concept of an option, which is why it isn't illustrative for you; no one is purchasing the right to see a movie regardless of how much it turns out to cost to show. It's the movie maker that would love to buy an option that makes you promise to buy a ticket, even if the movie turns out bad.
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gruez
4 hours ago
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>I don't think you fully grasped the concept of an option, which is why it isn't illustrative for you

I perfectly do know what an option is. It's just not relevant to the discussion, or at least not necessary. If you're selling a service that costs $2k of amortized costs to provide for $300, because that's all medicare/insurance companies are willing to pay, that's not a problem because you're offering options, it's an issue because you're charging too little. You're losing money because the numbers simply don't pencil out, not because you sold a bunch of options and sharp jane st traders cleaned you out. In any other situation where you're charging less than what it costs to provide, people just call it "bad business model", not "you're selling options" or whatever.

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JumpCrisscross
3 hours ago
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> As much as I like articles that tries to use economics or finance to explain stuff, the "options" analogy is a bit hamfisted

Idk, my takeaway is ambulances look like a solid market for a subscription model. Ideally, one that taxpayers pay for. But also, potentially, as a private one that you can pay e.g. $50/month to know you won't be billed $12,000 by idiots.

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FireBeyond
3 hours ago
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One thing I'd like to point out, many of the Airlift companies, like Airlift Northwest, offer $60/year family insurance for Heli EMS. They'll bill your insurance and accept the insurer's payment as "Paid in full". They also tend to have reciprocal agreements with many other HEMS agencies.
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mekael
2 hours ago
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At the end of the day doesnt that just end up being universal healthcare but with more steps?
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xp84
5 hours ago
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I tell this story every time ambulance costs come up because it might be helpful to anyone. I once lived in San Francisco in the mid-2010s. In SF, the SFFD operates the vast majority of ambulances in the city. As in, 80%+. I once had the need to go to the hospital urgently and called 911. The ambulance that showed up was SFFD. They transported me and I recovered safely. I then got a bill from them saying that my insurance had refused to pay for it - apparently that insurance company (they're lucky I've forgotten which one, as naming and shaming health insurance people is one of my favorite hobbies) had refused to contract with SFFD, making them "out of network." Yes, an out of network ambulance. And remember, there's at least an 80% chance that an SFFD ambulance will show up, and I've never heard of them offering a menu of ambulance companies to the caller who's likely having a heart attack, bleeding, etc!

So of course, my insurance would only pay some small pittance, if anything, and I was sent a ~$1000 bill. I immediately filed a complaint with the insurance company's California regulator (at the time it was the Dept of Insurance for this one, but it seems most or all now are under the Department of Managed Health Care) since insurance companies are by law obligated to pay at the in-network rate in the case of an emergency (which presumably is why you call an ambulance in the first place). Within 2 weeks I received a letter from the insurance company that all was completely fine and that they'd corrected the situation and paid the bill.

So we have an insurance company which surely knows that law, surely knows what an ambulance is for, but has discovered the "life hack" of having an extremely inadequate network, simply refusing nearly every ambulance claim made in the City, and then only paying the small percentage who know the law and know how to file a complaint. And of course, there's no punishment, the punishment is just having to pay the few times they're caught.

And insurance companies wonder where all that anger (Delay, Deny, Depose, was it?) comes from.

Anyway, practical moral of the story: don't let them get away with doing that if it happens to you or someone you know!

Note: My story is obviously kind of tangential to the actual article which explains why the cost is so high due to everyone who's being subsidized by what they're charging privately-insured patients. However, I have but the world's tiniest violin for those extremely profitable insurance companies who would obviously really like one of their costs of doing business to just go away. Yeah, I'd also like it if I could be paid my full salary, even though I refuse any work I find annoying.

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semiquaver
5 hours ago
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  > discovered the "life hack" of having an extremely inadequate network
The article covers this. Ambulance providers are strongly incentivized not to join insurance provider networks, and as a result more than 80% of ambulance rides in the US are “out of network”. So the inadequacy of the network is probably not the insurer’s fault.
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xp84
5 hours ago
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Be that as it may, the law in California forbids the insurance company from refusing to pay at the in-network rate in an emergency. As evidence, I'd submit the claim they immediately paid when called out on this.

If the insurance company weren't cynically exploiting people's lack of knowing their rights, they'd at least send a form letter to the patient saying "Please send us whatever proof from the hospital that you had a legitimate emergency and if approved, we'll pay <insert details> percent." Instead, they pay nothing, shove their fingers in their ears, and let the balance bill come to the patient, and hope nobody tells on them.

The only ambulance rides that should be billed like this are frivolous ones, like if someone is rear-ended at 1MPH, are unharmed, and they lay on the ground and fake an injury and demand to be transported to try to support a fraudulent legal case.

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SpicyLemonZest
4 hours ago
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But isn't the California law requiring the insurance company to act as a sin-eater here? They seem to be the only people you were frustrated with, even though they are not the ones who charged you $1000.
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xp84
4 hours ago
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They had the duty to pay and they try to trick every one of their customers into not realizing that, so that's why I'm only mad at them.

I acknowledge that the CA law is forcing them to, in the mechanism the article covers, causing them to subsidize other people's care, and this is happening in many areas of healthcare too.

Though those costs are surely accounted for when they set their premiums, which for 2025 amounted to just over $32,000 for my family.

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JumpCrisscross
3 hours ago
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> isn't the California law requiring the insurance company to act as a sin-eater here?

American healthcare providers have done a pretty good job at transferring PR liability to insurers. Cost inflation, in America, is mostly a problem at the provider level.

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FireBeyond
3 hours ago
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As an ex-paramedic and EMT, both with County Fire and private, there are absolutely those. But many-a-time, some of the blame falls on the physician. Medicare has, for one example, a lovely little form to fill out, just a few fields, mostly checks and multiple choice, to explain why the need for a "fully equipped BLS (or ALS) ambulance" was required, versus POV (private owned vehicle) or cabulance.

The number of times we'd have to hang out at the charge nurse's desk because the physician had scrawled a signature at the bottom of the form and nothing else, etc., was ... staggering.

If that doesn't give that reasoning (unable to stand steady, fall hazard, need for continuous O2, etc., etc., etc.) then no pay. And many insurers would use that same paperwork, not just Medicare. Could we fill it out ourselves? No. I'm not risking my EMS career to be at the center of a "ambulance company employees charged with medicare fraud" news story.

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stephenbez
1 hour ago
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Was this Cigna? Same thing happened to me in SF in the same timeframe.

It took 5 times of me calling and explaining that they can’t charge it as out of network before they adjusted it.

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arjie
5 hours ago
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You don't have to pay them unless they're specific. I got a bill 3 years after being in an accident and I asked them for the documentation they legally have to provide me (itemization, the legal basis, detailed incident record, attempts on their part to contact insurance) of how they arrived at the sum. It's been a year since and they haven't given me anything.

Besides this kind of billing is banned in California now https://leginfo.legislature.ca.gov/faces/billHistoryClient.x...

The insurers just pay the in-network fee and you call it a day.

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TinyBig
4 minutes ago
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The law you've cited only applies for "emergency transport".

Falck has found a workaround: Bill emergencies as "non-emergency" so they can balance bill. This is, of course, fraud. I'm sure that enough don't understand the law that this makes them a lot of money.

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Waterluvian
5 hours ago
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The last thing I want at that time is to have to reason about any of this.

I think I’m realizing that what I cherish about the healthcare system up here is not just that I don’t pay bills, but that I don’t even see a bill. Not that the bankruptcy inducing costs aren’t wretched, but I just cannot even imagine being put into a fucked up bureaucratic hell while my family is in a life altering crisis.

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alistairSH
4 hours ago
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This applies to other things as well - retirement and education come to mind.

Anecdote: my uncle and BIL are auto mechanics. One in the US, the other in Scotland. Similar lifestyles - both own homes, have mechanical hobbies (vintage cars for one, Harleys for the other) - typical working class lives. The uncle in the UK just has much less mental overhead when it comes to major life planning.

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Freedom2
4 hours ago
[-]
Many here will say that that's the cost of the freedom of choice and speech in the US.
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ozlikethewizard
5 hours ago
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Yea I think this is the bit thats easy to take for granted in nations with rational healthcare systems. Not only do I not get fleeced, but at no point does my healthcare feel like economic activity, a transaction, it feels like healthcare and that the provision of it is being done for the right reasons.
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asdff
3 hours ago
[-]
Medicaid is actually like this incidentally. No copays really. Too bad the electeds don't want to roll it out. The a lot of the most expensive risk pools are already on medicaid or medicare.
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disillusioned
5 hours ago
[-]
My wife had a miscarriage while we were staying at my Uncle's house in New Jersey. I was going to call 911, but instead, he decided he'd call from his landline. Difference between ambulance being free (because it was to a city resident's home) and costing what would have been $5k or so at least. Wild.
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burnhamup
5 hours ago
[-]
Yeah, my family was hit by two ambulance bills in California in 2024, and tried to balance bill us contrary to the law. It was a really frustrating experience trying to get them follow the law. One of the ambulance companies waited an entire year to even file paperwork and still tried to get insurance and me to pay.
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yamillove
5 hours ago
[-]
Why didn’t you take an Uber?
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the_sleaze_
3 hours ago
[-]
Last view of life: slowly bleeding out in the back of a waymo that has gotten trapped in the traffic circle in front of the ER and won't unlock its doors until it reached its destination.
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asdff
3 hours ago
[-]
Cleaning fee
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dostick
14 minutes ago
[-]
If you remove the $11,000 extortion “fee”, the remaining $1,000 is about the price found in the Western world countries.
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darth_avocado
5 hours ago
[-]
We’re all pretending this is an unsolvable problem when really most of the world has solved it by making ambulance (EMS) funding similar to fire and police departments. Somehow in any emergency I’ve seen, all three show up, often EMS before police or fire dept, and somehow that’s a service that has to be supplemented by insurance billings.

The blog mentions it, but it’s one of those obvious things that somehow isn’t solved yet and blows my mind every time it comes up.

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ethersteeds
5 hours ago
[-]
> most of the world has solved it by making ambulance (EMS) funding similar to fire...

About 65% of the more than one million firefighters in the U.S. are volunteers, with nearly 19,000 fire departments being run completely by volunteers.

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defrost
5 hours ago
[-]
St. John's Ambulance service in Australia is a hybrid of core paid positions and volunteers (varying by region and demand).

In rural Australia most of the fire, ambulance, and emergency response service are volunteer manned and (locally) run, with federal and state assistance for equipment and costs.

Costwise AU Ambulances are either free (if you're a St. John's member - cheap per annum OR if covered by private / work insurance) or (a decade out of date number) a flat fee of $500.

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cogman10
5 hours ago
[-]
A pretty large number of EMS is also volunteers. Basically wherever you have a volunteer fire department, you'll have volunteer EMS (if it's there).
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JackMorgan
2 hours ago
[-]
I'm volunteering to help build out a nonprofit EMS authority that will tax residents and businesses in our local six boroughs to spread out the costs for ambulance transports.

We hope to set the rates such that folks won't have to pay at all if they have insurance or will only have to pay the gap amount insurance would have covered.

I'm collecting the data to figure out how many residents, how many businesses, and how many college students there are in the region and match that to the call volume for those same categories so that each group pays a fair share.

We're basing the legal structure in the MESA group from Lancaster PA. Public fee hearings with residents hopefully start this Fall, and then we're hoping to go live Jan 2027.

I will say I've been surprised how extremely expensive it is to run EMS. Even with 25% of our responders being volunteers, the costs are staggering. Insurance, equipment, medicines, payroll, billing, fuel, building maintenance, heating and cooling.

The vehicle maintenance would turn your hair grey. We have a vehicle in the shop almost every single day. And we have two volunteer mechanics trying to do fixes in house. But these ambulances just are absolutely beat to hell 24 hours a day. My partner is one of the mechanics, and she sometimes gets a half dozen vehicle maintenance reports a day! And we only have 7 vehicles!

And then you have to factor in deprecation on an asset that effectively drops to $0 after 5 years. And costs $300k to replace.

We pinch every penny we can think of, but the end effect is that we're trying to provide a service that's extremely expensive and so we hope this model will diffuse those costs across the whole population (which we expect will turn out to be something like $100/year per family).

Cross your fingers because this feels like our best option

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HumblyTossed
5 hours ago
[-]
But if we fixed it, that might help people who can't afford the ride otherwise. And we cannot have that.

  --- Says far too many people, always.
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Hnrobert42
5 hours ago
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But do they really? Can you point a real, evil villain saying that?
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skinfaxi
5 hours ago
[-]
See everyone who decries student loan forgiveness as an example.
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thesmtsolver2
2 hours ago
[-]
But that is not the topic being discussed. Is it?
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mothballed
5 hours ago
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Government subsidized sudent loan forgiveness is a regressive tax, though, which makes it quite unpopular in the non educated that on average earn less.
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ryandrake
3 hours ago
[-]
The root cause is still cultural. Nobody wants to pay taxes that are helping someone else. Whether that "other" is in a different economic class, different race, different gender, has different political beliefs, lives in a different state, it's always the same mentality: "I don't want my tax dollars to pay for people I have determined to be 'others' and culturally different from me." Heaven forbid someone who doesn't deserve it or doesn't need it, get help.
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spicymaki
5 hours ago
[-]
I think we are all villains here. Good healthcare coverage is just another status symbol to be attained. If the poor have it then it becomes less of a value. To some degree we are all wired this way and we all suffer because of it.
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skinfaxi
5 hours ago
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I'm not sure I agree. Poor health is not always obvious and your health insurance provider is not conspicuous in most interactions.
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schmookeeg
4 hours ago
[-]
I have had VASTLY better free health coverage (OHP, Portland OR via Providence) than the current Kaiser dreck I and employer pay significant sums for.

Healthcare is not a flex, and it my experiences on the west coast, it's an inverse correlation to wealth. :/

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gruez
4 hours ago
[-]
>I think we are all villains here. Good healthcare coverage is just another status symbol to be attained.

Seriously? How many conversations have you been in where people were bragging about how good their health coverage is and trying to one-up each other? The extent I've experienced is stuff along the lines of "thank god I had my health plan, because otherwise it would have cost [6 figures]", but it didn't give the impression that they'd be mad if everyone didn't have to suffer that fate.

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thesmtsolver2
2 hours ago
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> How many conversations have you been in where people were bragging about how good their health coverage is and trying to one-up each other

Do imaginary conversations in the shower count?

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joe_the_user
5 hours ago
[-]
Sure, in a given public discussion, lots of people saying that show up. But substantial portion of those are shills, not necessarily people to say but who benefit from the scam. And some people who are paid, public relations people acting on the downlow, etc.
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arjie
5 hours ago
[-]
The ambulance that billed me in San Francisco after my accident was run by San Francisco Fire Department.
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darth_avocado
4 hours ago
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SF EMS is funded partially through the general fund and other bond measures, with additional billing to cover the rest. I believe it’s like $2K for a ride.
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dlcarrier
4 hours ago
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Many fire departments in the US send bills, whether responding to medical emergencies or fires.
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sarchertech
4 hours ago
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Many makes it seem like this is common. But it extremely uncommon in the US to get a bill after a fire. There are some rural volunteer fire departments that are funded through memberships and they will bill you if you aren’t a member. But these are not common.
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coredog64
1 hour ago
[-]
Story up thread is about an ambulance ride by the San Francisco Fire Department charging a grand. So in essence the EMS funding is the fire department funding and it’s still unsolved.
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joe_the_user
4 hours ago
[-]
Health care in general has been solved by state sponsored medicine in most industrialized nations. And when it isn't solved by directly state sponsored medicine, it's solved by formally and informally regulated monopolies. In fact, US health care in the 1960s was made reasonable by the Blue Shield regulated monopoly.

The thing about unfettered private health is that it finds "profit centers" and pumps them ruthlessly. But the problem when scheme/scam gets reigned in (say out-of-plan doctors), another appears (out-of-plan ambulances) and there's no end to the situation. Only actual state sponsored health care can end this.

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toomuchtodo
5 hours ago
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Very much so. We could fix this. We continue to choose not to, and will for some time into the future.

Tangentially (think in systems), much of the US exists off of volunteer emergency services (fire and emt), which is rapidly evaporating. Average age of these volunteers is mid 50s.

https://www.nfpa.org/news-blogs-and-articles/nfpa-journal/20...

> For generations, volunteers have formed the backbone of the nation’s emergency response system. Roughly half of the U.S. population, some 170 million people, live in areas primarily served by volunteer departments. Unpaid firefighters comprise more than 60 percent of all U.S. firefighters, and more than 80 percent of the country’s fire departments are either all or mostly volunteer.

https://www.ruralhealthresearch.org/publications/1596

> 4.5 million people lived in an ambulance desert (AD); 2.3 million (52%) of them in rural counties. Four out of five counties (82%) had at least one AD. Rural counties were more likely to have ADs (84%) than urban counties (77%). Areas with the highest share and number of people living in ADs include the Appalachian region in the South; Western states with difficult mountainous terrain; coastal areas across the U.S.; and the rural mountainous areas of Maine, Vermont, Oregon, and Washington. Eight states had fewer than three ambulances covering every 1,000 square miles of land area (the Western states of Nevada, Wyoming, Montana, Utah, New Mexico, and Idaho; and the Midwestern states of North Dakota and South Dakota).

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Aurornis
5 hours ago
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> Eight states had fewer than three ambulances covering every 1,000 square miles of land area (the Western states of Nevada, Wyoming, Montana, Utah, New Mexico, and Idaho; and the Midwestern states of North Dakota and South Dakota).

There are some good points above, but I think this one is a distraction. Many of those states on that list have low ambulance densities because they have low population densities.

Have you ever driven through Wyoming or Montana? They have less than 10 people per square mile on average. There are a couple clusters of cities and then miles of empty land.

These statistics need to be based on cities, or at least have population density taken into account. It doesn't compute to set a threshold for ambulances per square mile when the population density differs so much from state to state.

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pclowes
5 hours ago
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I don’t think it is reasonable to expect to have ambulance coverage across the entire United States. There is a lot of land with very few people.

Choosing to live far away from others is also choosing to live far away from help.

If a service is highly variable cost dependent and is unaffordable for the average individual to pay out-of-pocket it is unaffordable for the aggregate individual as well.

There _should_ be some ambulance deserts.

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cogman10
5 hours ago
[-]
It's very often not a choice. But also, those rural areas are often the breadbaskets of the united states. Taking care of our farmers is important.

Trying to frame it as a choice also misses a lot. It technically is, but you have to recognize there's a huge cost in uprooting your entire life and moving to a new location.

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pclowes
4 hours ago
[-]
We give our farmers absolutely insane subsidies already.

It is not the government’s job to “take care of” anybody.

Everything has a cost, staying has a cost, leaving has a cost. The question is how much should the public be taxed to pay for individuals suboptimal decision-making? Or conversely, why am I subsidizing some billionaires remote horse ranch to have daily Postal Service and an ambulance standing by?

Can I move to the wilds of Alaska and then demand the same level of service as New York City? No that would be ludicrous.

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defrost
4 hours ago
[-]
W.Australia has a land area three time that of Texas with the bulk of the 2.9 million in population clustered about the capital city Perth.

In the rest of the state there are volunteer Ambulance services subsidised by state and federal government and a fleet of Royal Flying Doctor air ambulances.

RFD(WA) comes in at ~ $80 million AUD / annum in state support (for better or worse - https://www.abc.net.au/news/2024-07-24/rural-gp-slams-royal-... )

They assert to have a "value" to the state of $4.1 billion AUD over 30 years - https://www.flyingdoctor.org.au/wa/

  Every day, the Royal Flying Doctor Service in Western Australia retrieves 29 people.
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pclowes
3 hours ago
[-]
Australia is also going bankrupt just slightly faster than the United States. Looks like deficit spending and debt levels are only trending the wrong direction there as well.

I am all for flight for life as we call it here, but that is different than saying we should have a network of ambulances across massive swabs of mostly empty terrain.

I am willing to hazard that the Australian airlift response is slower than your average ambulance response in Sydney.

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defrost
3 hours ago
[-]
> Australia is also going bankrupt just slightly faster than the United States.

Dunno about that, there be weeds. Not to mention the US clown car demolition derby is still in office.

Still, the coronavirus pandemic and associated policy responses led to the largest deterioration in the Australian Commonwealth Government’s fiscal position since the Second World War. That was 2021.

The forecast national net debt has looked pretty shitty since then, but the arc has been one of improvement - last years 2025-26 National Fiscal Outlook has been claimed to be overly grim by the most recent KPMG assessment of the 2026–27 AU Budget and backs the estimates that the Federal Government net debt servicing will return to pre COVID levels by 2029-30.

Yeah, it's f-obvious it takes longer for a plane to cross 600km than it takes an ambulance to cross a Sydney suburb.

Any other insights?

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jjav
4 hours ago
[-]
> It is not the government’s job to “take care of” anybody.

That is actually the only legitimate function of government.

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_DeadFred_
1 hour ago
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Sweet, open the borders then. It's not the government's job to take care of that (we had government long before we had 21st century style closed borders, so it's definitely not a requirement of government). More people = more money coming in.
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cogman10
4 hours ago
[-]
> It is not the government’s job to “take care of” anybody.

That is literally the only job of government. The entire reason we have a government is to serve the citizens in some fashion or another.

Even for most libertarians, they'll view the government in having a role resolving disputes. That is "taking care of" citizens by resolving conflicts.

Subsidizing farmers so citizens continue to have cheap and consistent access to food is a great thing. Right up there with providing clean drinking water, sewage services, and building roads.

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pclowes
3 hours ago
[-]
I think what I’m saying is being misinterpreted. I should have been more clear. Everybody’s definition of “taken care of” is different.

The government needs to balance the interest of the public with the interest of the individual. It is not intended to “take care of “people regardless of their asks.

Otherwise, what if I am only “taken care of” if I have a beachside penthouse in Malibu and also a pony?

The government is not taking care of people if it allows the average expenditure per person to eclipse the average tax revenue per person. The economics need to be roughly sustainable at the national state and even rural area level.

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cogman10
2 hours ago
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> Otherwise, what if I am only “taken care of” if I have a beachside penthouse in Malibu and also a pony?

That's a false equivalence.

We aren't talking about giving people penthouses. We are talking about providing EMS. Heck, I can even grant "degraded EMS" maybe we don't ensure an ambulance is stocked with the latest and greatest tech because you are rural. Maybe the ambulance is a hand-me-down from a larger city.

But it's not a huge ask to say that rural communities deserve at least some level of emergency health medicine. Less people means less health incidents. That's the primary reason why so many rural locations today are able to get by with volunteer EMS (Something my family participated in. Calls happened roughly once a month at most in my town of 300).

> The government is not taking care of people if it allows the average expenditure per person to eclipse the average tax revenue per person. The economics need to be roughly sustainable at the national state and even rural area level.

I agree, it's smart to make sure the government isn't over spending on frivolous things. I just don't think "EMS" is frivolous. Everyone might need it, it doesn't ultimately cost that much to provide (especially if it were actually ran by the government and not private entities), and it's services buy a lot of good will with citizens. Additionally, it creates economic output. Someone dying or getting a lifetime disability because EMS wasn't available is someone that's not adding to the economy.

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_DeadFred_
1 hour ago
[-]
Since the 1980s the Republican party had adopted a position of starve the beast, of screwing up these very numbers so that people can make exactly the argument you have.

What happens when half of government acts is bad faith purely to poison the well, one half of government and an entire political party make it so that the numbers don't work (and via the fiscal policy they intentionally inflict/structure/design) purely so that they can promote their policy position of 'the numbers don't work'?

How many unfunded tax cuts have we had recently? Those aren't acts of nature. The numbers you speak of not matching aren't acts of nature. They are intentionally designed to 'starve the beast' in the 1980s Republican way, and in newer ways the party has come up with since. All so the exact argument you gave can be made.

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skinfaxi
5 hours ago
[-]
Why should there be ambulance deserts but not postal deserts?
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pclowes
5 hours ago
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Directionally, I am also fine with postal deserts or at least different delivery expectations for very rural areas.

But also because Postal Service is much cheaper than an ambulance service?

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darth_avocado
4 hours ago
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There is no reason why this should be a blocker to solving the problem though. 80% of the population still lives in an urban area. You could create a system that works for the majority of the country’s population and then can figure out the rest.
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rconti
5 hours ago
[-]
We choose not to, because most consumers of ambulance services don't have to pay for it. So those of us who pay out of pocket for an ambulance, like I did ($1700 to go 3/4 of a mile last year) are a tiny minority.
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vlian2088
5 hours ago
[-]
the reverse side of that medal is that in 'most of the world' EMS quality is ass.
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cogman10
4 hours ago
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US EMS quality isn't exactly something to be proud of. It's been private equityified. Just recently (last winter) I nearly lost an aunt because of our stellar EMS system literally doing a transfer from a hospital to a hospice. The company had only one person working, they parked the ambulance next to a snow bank, tried to wheel my aunt up the snow bank, and had her and the bed flip on them trapping them in the snow.

They were super lucky that someone from the hospice just happened to be leaving at the same time they flipped the bed.

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darth_avocado
5 hours ago
[-]
I think this argument is very disingenious for two reasons:

- If you’re comparing to developed nations (or some non developed ones with functioning agencies), the argument doesn’t hold true.

- If you’re comparing to the bottom of the barrel EMS (quality being ass like you said), you’re still not going bankrupt for an ambulance ride.

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jahnu
5 hours ago
[-]
If you limit it to say the top 20 developed countries how does it look?
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alistairSH
5 hours ago
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Just a quick Google indicates the UK, Germany, US, and Japan all have urban response times in the ballpark of 10 minutes.
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mothballed
5 hours ago
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And even then they do worse than the average half brained private driver on trauma calls, since for many medical issues speed trumps capability.
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groby_b
5 hours ago
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Haven't yet seen a developed nation do worse than the US. If you prefer to compare against developing countries only, sure, winning by lowering the bar to the ground is an option.
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sarchertech
5 hours ago
[-]
What metrics are you using for that? The US ranks fairly close to the top for out of hospital heart attack survival, which is a good proxy for emergency medicine in general.

The US also has decent EMS response times. If you adjust for population density, the US has fantastic response times.

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wbl
5 hours ago
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UK has had some atrocious response times.
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alistairSH
5 hours ago
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Google is telling me that’s not the case… 7 minute target for life-threatening calls, with 90% actual within 15 minutes.
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tedggh
1 hour ago
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“ This time he didn’t have a choice. He was loaded into an ambulance for a six-mile transfer, evaluated without additional treatment, and sent home the same night.”

This is weird, why didn’t he have a choice? I have literally walked out of a hospital with IVs still attached to my arms when I disagreed on course of treatment that included hospitalization for a case of white coat syndrome. They also wanted me to wait one hour to sign a waiver, which I unkindly refused.

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SoftTalker
1 hour ago
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Yeah you're always free to decline medical services. Nobody can make you go to the hospital (unless you're unconscious or in delirious but then you aren't deciding anything).
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Avicebron
5 hours ago
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> The most efficient way to fund ambulance services would simply be to pay for the option the way that options are normally paid for: with a premium, collected from everyone the service stands ready to rescue. That’s how it’s done in the rest of the rich world. Some places, like the United Kingdom or Japan, simply fund ambulance services directly out of taxes; others, like the Australian state of Victoria, sell memberships in “Ambulance Victoria,” with unlimited exercise at the cost of about $70 a year per family.

So there is a solution.

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charcircuit
5 hours ago
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>from everyone the service stands ready to rescue

So compelled health insurance to use an ambulance? You could just as well make it optional and charge people without the insurance the full price.

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Avicebron
5 hours ago
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So everyone's covered unless you explicitly opt-out?
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charcircuit
4 hours ago
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Everyone is covered and you have the ability to pay someone to take on the risk of having to pay for an ambulance.
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Avicebron
4 hours ago
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what happens to the people who don't pay someone to take that risk when they need an ambulance?
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charcircuit
2 hours ago
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Then they pay for the ambulance.
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Avicebron
2 hours ago
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Well then not everyone is covered.
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charcircuit
2 hours ago
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To me covered means that the ambulance will drive to your location.
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Avicebron
1 hour ago
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Hey man, don't worry about it, this is an international forum, English can be difficult. You seem kind of like a more junior/early in your career guy so, I'm happy to help out and explain.

Covered in this case means that they don't have to pay some third party to take that risk for them, they can just get the ambulance as part of the nominal fee everyone pays per year or whatever.

When you outline a problem statement, you want to map out what the person outlining the specs really mean. It takes practice.

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paxys
5 hours ago
[-]
But that’s socialism!
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yamillove
5 hours ago
[-]
Virginia has a long-established local dog license taxes on dog ownership and recently proposed a tax for, among other things, walking dogs. Clearly the liberals have their priorities wrong as usual. But hey you get what you vote for.
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dodger-dog
1 hour ago
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"On appeal, his insurance agreed to cover $9,967 of the charge—better than nothing, but it still left him on the hook for about $3,000."

Tell the insurance company to wait to release the funds until you talk to the ambulance company or to release the funds directly to you.

Tell the ambulance company they can take the $9,967 or get zero.

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abeppu
4 hours ago
[-]
Aside from the funding mechanism being a premium that everyone pays, the other part of the motivating story here that seems downright silly is:

- the patient was _forced_ to take an ambulance to another hospital, but not to be treated for anything in particular.

- the post goes into how the EMS system is expensive b/c you need trained paramedics and expensive medical equipment and such -- but sometimes they really do just need to move a patient, not treat anyone in the field or en route. Saying that you pay for the paramedics even when you're effectively just being moved between facilities _also_ seems wasteful.

Yes, we should share the cost. But once we all share the cost, maybe we should try to spend the public dollars effectively by only using ambulances when they're needed, and distinguishing between "transport patient who can't sit upright and buckle a seatbelt" and "try to stop their arterial bleeding as you speed towards the hospital".

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js2
3 hours ago
[-]
> There are parts of the U.S. that do this already. Ambulance rides are already subsidized by taxpayers in most places, thanks to public funding for fire departments; and a growing number of places have taken this further.

Indeed, in my county that's the case along with a $60/year subscription program to indemnify yourself against further costs:

https://www.wake.gov/departments-government/emergency-medica...

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dqv
3 hours ago
[-]
Finding out about this program was such a relief. I haven't worried about the prospect of having to call 911 since signing up.
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Dove
5 hours ago
[-]
I think one of the most aggravating things about interacting with the health care system is losing control of cost/risk/reward tradeoffs. The mandatory transfer and ambulance ride in the linked story are an excellent example. I think I'd have walked out against medical advice in that circumstance, but there is the constant danger of being subjected to similar costs, both monetary and physical, when I am less conscious or at a serious informational disadvantage. The need to bring a patient advocate with you to the hospital whose role echoes both doctor and lawyer is becoming quite serious.
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rado
19 minutes ago
[-]
Cost in Bulgaria: $0
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whatever1
1 hour ago
[-]
Taxi / shuttle service also needs trained professionals, high fixed cost investment on specialized equipment, 24/7 availability.

I am shuttled to the airport at 4 am and paid $30.

It did not cost 20k per ride. So ambulance providers charge that much because they can. There is no real competition.

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mikeweiss
5 hours ago
[-]
Where I live (NJ) you don't pay if your picked up by a town run rescue squad. But you don't always know who's responding... Such a strange system.
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infinite_spin
5 hours ago
[-]
In a market where competition isn't relevant, the price of things is whatever you can get someone to pay for it.
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standardUser
5 hours ago
[-]
The genius part is that the negotiations that determine how much they can get away with charging completely excludes the consumer. Two for-profit entities, with no mandate to actually provide care, decide how much they should pay each other.
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softdevca
5 hours ago
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I don't understand why taxes can be used to save property but not a person.
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Noumenon72
5 hours ago
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The article explains why; regulators sometimes can't foresee that their decision to consider something fee for service will eventually prevent it from being considered as a communal expense.
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softdevca
3 hours ago
[-]
Fee-for-service doesn't prevent ambulances from being considered a communal expense, it just makes sticky. There is nothing preventing a government from making ambulances equivalent to fire or police except the will.

From the article: "The most efficient way to fund ambulance services would simply be to pay for the option the way that options are normally paid for: with a premium, collected from everyone the service stands ready to rescue". In other words, taxation just like anything else we expect to be available to anybody.

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lokar
5 hours ago
[-]
Sure you do. Most people don’t own property. Most of the taxes are paid by people who do. And elections are decided by people with property.
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jfengel
5 hours ago
[-]
Because we like property.
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uwagar
30 minutes ago
[-]
its horrible to think when u are caught up in something serious that calling an ambulance could ruin your life later.

better to live in uk where nhs takes care of all this compassionately for free.

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wewewedxfgdf
5 hours ago
[-]
There should be an "Uberlance" - discount emergency pickups by Uber, at Uber prices.
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jmalicki
20 minutes ago
[-]
Unlike an ambulance, an uber driver won't be able to keep a hemodynamically unstable patient alive for a 30 minute transport.

LAFD has already called Ubers for non-emergency transport to hospitals.

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mekael
2 hours ago
[-]
Years ago i slid down a bannister at a dance club, caught my foot, flipped over backwards, and landed on a barstool. Having grown up poor as dirt, i knew that calling an ambulance would be at least a grand if not double that. I called an uber to take me the 15 blocks to the hospital.

Total cost was 70 bucks (10 bucks for the uber, 60 for the er copay).

The number of people here in the US who use uber as an ambulance is waaay higher than you would think.

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paxys
5 hours ago
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Uber is already “Uberlance”. Most people take Ubers to the hospital unless they are literally dying (and some even then).
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comrade1234
5 hours ago
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Check your insurance to make sure you have transport. It's the same in Switzerland - it's an extra line on your insurance.

My wife and also have Rega. They can't legally call it insurance but if we get injured in, for example, the USA they will send us a private hospital jet to bring us home.

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standardUser
5 hours ago
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And then do what, precisely? Quit your job and find one with better insurance options?
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Noumenon72
5 hours ago
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This comment is confusing because it refers to the first paragraph and also assumes when you checked your insurance you didn't find transport there. Since the parent did have transport and good insurance and a second paragraph, it sounds like you're asking "And then do what after your hospital jet flies you home, quit your job and find better insurance?"
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chillingeffect
6 hours ago
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This is amazingly coherent and explanatory article!

the writer really went into depth about the problem and...surprise...the answer is almost embarrassingly simple.

Everyone in the country needs to read this.

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msla
2 hours ago
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> In 2020, Congress passed the No Surprises Act, which banned surprise balance bills for most parts of emergency care. But by necessity, it exempted ground ambulances from the law: actually restricting the practice would have rendered much of the EMS industry insolvent.

Right, but air ambulances are subject to the No Surprises Act, and we somehow still have those.

Also, ERs are subject to the No Surprises Act, and they do some pretty damned expensive things. Plus, if you're seen by an out-of-network practitioner in an in-network hospital or ER, no you weren't: No Surprises Act forces them to accept QPA and not balance bill. Somehow all of those out-of-network anesthetists and radiologists are still in business.

Here's a PDF about the No Surprises Act:

https://www.cms.gov/files/document/a274577-1a-training-1-bal...

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yanhangyhy
2 hours ago
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i think i read many warnings or jokes about this: when go to usa, dont call an ambulance because it's so fucking expensive..to compare, in china, it usally cost less than 100USD.
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paytonjjones
5 hours ago
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I've treated people with panic disorder who, if there were no cost involved, would probably have called an ambulance monthly for suspected heart attacks.

I wonder how countries with universal healthcare coverage deal with the lack of a (dis)incentive here. Maybe they just eat the cost?

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ButlerianJihad
5 hours ago
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I had an ambulance ride on Thanksgiving Day last year. And the punchline was that with my ACA insurance, the "ambulance run" co-pay was $1,200. (Of course my total ambulance bill was around $1,310.)

There was a long period of back-and-forth with calls and website visits, where they were insistently billing the wrong insurance, and so forth. But I'm grateful that I used the ambulance at that point in time.

The key advantage to an ambulance ride is bypassing the Triage Nurse. If you're going to an E.D. and you take a ride-share or a friend drives you, then you'll go to the registration desk and then meet the triage nurse. And the Triage window is pretty good at conserving hospital resources, and de-prioritizing you if your issue could be handled by Urgent Care or your PCP on a weekday.

But if the ambulance gets called to your home, it's a foregone conclusion that you really, really want to go to the E.D. and the ambulance crew will Keystone Kops their way to a successful hospital drop-off. They'll take some vitals and ensure that you're stable, because if you're not, they can save lives, and keep you alive during transport. But if you're conscious then they ask that $64,000 question: "do you want to go to the hospital?"

Once a few years ago, a nurse in a clinic had called 9-1-1 on my behalf and it was actually difficult to refuse a hospital transport. The EMS crew put me on the phone with a hospital attending physician and I had to emphatically refuse transport several times, after being advised of all the risks. (My only issue was elevated blood pressure. C'mon, guys.)

One of the troubles with ambulances is that they are really overkill for many calls. If some homeless dude goes unconscious on the curb, they get called. Some neighbor was going to call 9-1-1 because I laid down briefly near the pool. The ambulance and its crew is highly equipped to save lives and respond to the worst trauma cases: multi-GSW, car accidents at 70mph, etc. But I called them because I had a bad headache. And that's why they got to bill so much: they cost a lot! And I bet that a lot of uninsured deadbeats default on their ambulance bills, and the City gets to eat all those costs.

But the times I've transported myself to the hospital, I kinda got blocked by Triage, and it was for my own good. This last time over Thanksgiving, I had a lot of issues, and isn't it always the way that they hit at the beginning of a holiday weekend? So, it was good I went to the hospital.

But I was flabbergasted that my "co-pay" was 92% of the ambulance bill. I don't know why, but that plan has terminated anyway, so there's no arguing about it. At least, my actual hospital bills were well-covered by that plan.

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SoftTalker
1 hour ago
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Yeah I would bet the vast majority of ambulance rides are never paid for. Homeless, street people, the impoverished, the uninsured, the unemployed... none of them will ever pay a dollar much less thousands for an ambulance ride. And in many areas those are the people who disproportionately use ambulance services.
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josefritzishere
5 hours ago
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TLDR: private equity
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kirrent
5 hours ago
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The piece is actually quite concise, but you're right in the other respect. You definitely didn't read it. Private equity as an explanation is explicitly rejected.
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jfim
5 hours ago
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The article argues the exact opposite:

> The standard answer is greed: rapacious ambulance operators, owned by villainous private equity firms, exploit patients at their most helpless. But I don’t think that’s actually what’s going on. Ambulance providers are chronically unprofitable businesses; margins are thin, crews are underpaid, and operators exit the industry every year.

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deathanatos
4 hours ago
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That paragraph is somewhat incoherent at that point in the article: margins are razor thin — at a price tag of $12,000 per 6 miles or $2,000 per mile.

(Yes, there is some other stuff, much, much, much later that maybe cuts into that …)

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jfim
2 hours ago
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The cost isn't about the actual mileage though, it's having two paramedics each earning about 100k/yr per ambulance, while having coverage 24x7x365. So fully loaded, the labor for one ambulance might be in the high six figures to seven figures.
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DoesntMatter22
5 hours ago
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I think the answer is very simple. Regulation. If there was no regulation or very little then anyone could open up an ambulance service and the cheapest costs and the best service would win.

Unfortunately that’s not the case. It’s like day care. Day care is expensive because the government mandates it to be expensive. Otherwise you’d have grandmas down your street would gladly watch your kid but it’s generally not allowed for more than a couple kids.

Same thing with houses. I have half an acre. Could easily put 2 affordable tiny homes on it. Good income for me, cheap rent for someone else, but, unfortunately it’s legally blocked

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Georgelemental
5 hours ago
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When you are bleeding out on the street, you don't have time to shop around for the best deal
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DoesntMatter22
14 minutes ago
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Wont matter because nobody is going to be paying 12k for a ambulance ride if there are people doing it significantly cheaper.
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lokar
5 hours ago
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I would absolutely not tolerate and unregulated ambulance responding to my emergency.
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DoesntMatter22
5 hours ago
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You don’t have to. You do what you want. I’d prefer to hire a company where the workers make more money. Right now they make a pittance.
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duskwuff
5 hours ago
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Someone who's having a medical emergency is certainly in no position to go comparison shopping for ambulance services.
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yamillove
5 hours ago
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When you get your bill, you could just double that as a tip.
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