Billing & Coverage
Insurance & Billing
Plain answers to the questions families and case managers ask most about ambulance transport coverage in Texas.
We Work With Your Insurance
Preferred EMS accepts Medicare, Texas Medicaid, and most major commercial insurance plans. Our billing team verifies benefits before transport whenever possible — so there are no surprises after thefact. If you have questions about your specific plan, For billing questions, call (713) 222-0326 or email [email protected]
Coverage by Insurance Type
Select your insurance type below to understand what is covered and what documentation is required.
Medicare Part B
Covers medically necessary ambulance transport to or from a covered facility when the patient is bed-confined and a physician certifies necessity.
- Patient must be bed-confined (unable to sit upright safely)
- Transport must be to/from a hospital, SNF, dialysis center, or home
- Physician's Certificate of Medical Necessity (CMN) required
- Preferred EMS is an enrolled Medicare provider
- You pay 20% of the Medicare-approved amount after your Part B deductible
- Medigap/supplement plans may cover your cost share
Note: Prior authorization required for repetitive scheduled transports (3+ trips in 10 days or weekly for 3 weeks).
Texas Medicaid
Covers medically necessary ambulance transport for eligible patients. Prior authorization is almost always required — arrange it 24–48 hours in advance.
- Prior authorization required before transport occurs
- Physician's order documenting medical necessity required
- Covers STAR, STAR+PLUS, and STAR Kids programs
- Preferred EMS is an enrolled Texas Medicaid provider
- Contact your MCO's member services to initiate authorization
- We can assist with the prior authorization process
Note: NEMT (wheelchair van) is coordinated separately through ModivCare. Ambulance transport is authorized directly through your MCO.
Private Insurance
Coverage varies by plan. Most commercial plans include an ambulance benefit, but prior authorization and in-network requirements apply.
- Review your Summary of Benefits and Coverage (SBC) before scheduling
- Prior authorization may be required — confirm with your insurer
- In-network status affects your cost share significantly
- The No Surprises Act does not apply to non-emergency transport
- We will verify your benefits before transport when possible
- Ask us whether we participate in your specific network
Note: Out-of-network non-emergency transport can result in higher cost sharing. Always confirm network status before booking.
Self-Pay
Transparent flat-rate pricing for patients without coverage or for transports that do not meet insurance criteria.
- Flat-rate pricing for common Houston-area routes
- No hidden fees — pricing confirmed before transport
- Payment plans available for qualifying patients
- We can provide a written estimate before scheduling
- Self-pay does not require a physician's order
- Call us to discuss pricing for your specific route
Note: Self-pay rates are available for any transport, including those where insurance coverage is uncertain or denied.
Frequently Asked Questions
Answers to the billing and coverage questions we hear most often.
Questions About Your Coverage?
Our team verifies insurance benefits before transport and can walk you through the prior authorization process. Call us before you schedule — we will give you a straight answer. For billing questions, call (713) 222-0326 or email [email protected]
Also see our detailed insurance coverage guide for Medicare, Medicaid, and private insurance rules.