White Oak EMS Station 645
2800 State Street - White Oak, PA 15131 - 412-672-3055
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Ambulance Plan

White Oak EMS 2016 Ambulance Plan

From the Employees and Volunteers of White Oak EMS

Dear Residents,

White Oak EMS is your officially designated hometown ambulance provider for White Oak Borough and South Versailles Township. Calling 911 and requesting an ambulance can be a frightening moment for anyone and often times 911 is not called for people who need emergency ambulance service because there is a fear of the amount of money it will cost. We are pleased to present you with this opportunity to help us help you. The ambulance plan is a mutually beneficial program in that it helps you with balances left unpaid by insurance companies if you become an ambulance plan subscriber. In turn, you help generate funding critical for us to continue to provide the high level of service you have come to expect.

We are excited to announce there will be ZERO increase in ambulance plan subscription fees for 2016. Our reasonable subscription rates will be: Individual $45, Family $55, Senior Individual $37, and Senior Couple $47.

We continue to be staffed 24 hours a day, 7 days a week. We utilize the most Advanced Life Support procedures and equipment.

We sincerely hope that you will recognize and take advantage of this critically important benefit for you and your ambulance service.

IMPORTANT FACTS!!!

  • White Oak EMS is a 501c (3) non-profit organization and therefore receives limited tax and/or monetary based reimbursement from the areas we service. Our ability to provide services and purchase vital lifesaving equipment is dependent on insurance company reimbursements, donations and Ambulance Plan enrollments from the residents we care for.
  • We provide emergency and non-emergency services for White Oak Borough and South Versailles Township.
  • We also provide mutual aid service to neighboring communities upon request.
  • We respond to over 3,000 emergency and nonemergency calls each year.
  • Our ambulances are fully equipped for Basic and Advanced Life Support and maintain licensure through the Pa. Department of Health.
  • White Oak EMS is one of 7 ambulance services in Pennsylvania that is Nationally Accredited by CAAS (Commission on Accreditation of Ambulance Services), and one of 160 ambulance services in all of North America.
  • Paid and volunteer staff on-duty 24 hours a day / 7 days a week / 365 days a year. All ambulance personnel are certified through the Pa. Department of Health. Paramedics receive their medical command through UPMC.
  • You might be surprised to learn that your health insurance, including Medicare, may not provide full coverage for ambulance service.
  • Because of high premiums associated with insurance, many employers and self-insured are choosing plans that have higher deductibles, copays or non-covered services.
CAAS Accredited

Now Nationally Accredited

SUBSCRIPTION PLAN ADVANTAGES

  • Unlimited emergency transports to a local or specialty hospital as needed.
  • Family subscription plan provides coverage to all members and visitors of the household.
  • Significant savings on balances left unpaid by insurance companies. In some cases this amounts to a 50% discount.
  • You will be helping to fund your local ambulance service for the most up to date prehospital care.

NOT INCLUDED WITH YOUR SUBSCRIPTION

  • Non-emergency transports Doctor's office appointments.
  • Additional mileage beyond the closest medically appropriate facility.
  • Not medically necessary transports (As determined by your insurance carrier).
  • Any request for ambulance service when you are traveling outside of White Oak Borough and South Versailles Township.
  • Any request for ambulance service for a member of your household that is away at college, work, vacation, etc.

WHAT YOUR SUBSCRIPTION FUNDS

  • It costs White Oak EMS approximately $800 per ambulance call to operate at our current level of service.
  • Ambulance Costs - tires, preventative maintenance, yearly inspections and insurance.
  • Building Costs - utility bills, appliances, computers, furniture and insurance.
  • Personnel Costs - wages, benefits, training and worker’s compensation.
  • Operational Costs - office supplies, printing, disposable products.
  • Other Costs - non-reusable medical supplies, equipment purchase and replacement, communication equipment.

THE LIFE OF AN AMBULANCE BILL

After you have used our service, our staff will come back to our station and generate a document that we call a "Trip Sheet". That document then gets forwarded to our billing company. The billing company reviews the document for compliance and then submits it to your insurance carrier. The insurance carrier makes a determination on how much they will cover based on the medical need for the ambulance that was initially requested. Our billing company then receives a partial or full payment on our invoice. If there is a partial payment received from the insurance carrier, the remainder of the balance is your responsibility. If you are an Ambulance Plan subscriber, that final amount will be discounted up to 50% by our billing company before submitting the final invoice to you. By subscribing to our ambulance plan, this has the ability to potentially save thousands of dollars per year.


Questions & Answers

Q. Why should I be a subscriber if I have Medicare or other insurance?

A. You may be surprised to learn that each year insurance companies change the list of what they consider "medically necessary" for an emergency ambulance reimbursement. There is no guarantee that any insurance carrier will cover 100% of the ambulance bill. Second, we need your support each year. With the increases in operational expenses and decreases in reimbursements from insurance carriers, we simply cannot survive without your support.

Q. I am a plan member, why did you bill my Insurance?

A. Every plan members insurance will be billed. That is where we get the bulk of the money generated by the ambulance invoice. If there is a remaining balance, it will be forwarded to the individual that used the ambulance service. If you are a plan member, you will qualify for the 50% discount on that remaining balance. If you are not a subscriber, you will be responsible for 100% of that remaining balance.

Q. I choose not to subscribe to the ambulance plan but I have since used the service and now want to join. Can I sign up today and have the discount applied to my most recent service?

A. Unfortunately it doesn’t work that way. We highly recommend joining the ambulance plan when you receive the date enrollment package in the mail.

Q. Can I join the Ambulance Plan after the advanced enrollment period?

A. Yes, but there is a 30 day waiting period before you and your family can enjoy the benefits of the plan.

Emergency calls 911
For additional information call 412-672-3055