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The premiums go to subsidize other people's even more expensive care, like $80k helicopter rides, or $100k heart surgeries.



Helicopter rides are pretty much never covered.

> The average cost of life flight within the U.S. ranges between $12,000 and $25,000, according to NAIC (National Association of Insurance Commissioners). This is based on a 52-mile trip, which is also the average distance. This figure represents an out-of-pocket cost when not covered by insurance or calculated before an insurance company steps in. International flights can easily cost 3 to 5 times that amount. … In December 2020, Sean Deines was diagnosed with acute lymphoblastic leukemia (a fast-growing blood cancer) and took an air ambulance from Colorado to North Carolina, which also included ground transportation between hospitals and airports. His total bill was $489,000.

https://www.emergencyassistanceplus.com/resources/what-is-th...


I wouldn't say never covered. The stuff in that article doesn't give any data on how often they're covered. But I'm sure they play the same games as regular ground ambulances.

The one I have experience with involved transportation between hospitals and it was covered. I've had experiences where other ground ambulance services were not covered.


It's not really a subsidy though (it's a set of actuarial models and contractual agreements).




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