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Editor: Elizabeth A. Bejoian
The MTA Advantage is published three times a year as
a supplement to MTA Today by MTA Benefits, Inc.
Life is full of the unexpected. We can prepare for many of these events — such as car accidents — by securing an insurance policy that protects us in the event of a loss. It’s not as easy to plan for a medical emergency,
however. What are your options if a medical emergency occurs when you’re in
unfamiliar surroundings? And if you’re at home, do you know that you’d have
to pay for emergency transportation costs that aren’t covered by medical
insurance? Once you find out what you’d have to pay, do you know how you’d
cover the cost?
You may never have thought about these questions, let alone the answers.
Here are some facts that will make you think:
• Each year, more than 550,000 people in the United States are flown by
medical helicopter or small plane for emergency care, according to the
Association of Air Medical Services.
• The average cost of an air ambulance is $20,000 — and depending on
circumstances, the price can rise to $100,000.
• Only a small percentage of health insurance policies, including Medicare,
pay for any part of an air ambulance bill.
• Many travel insurance policies are capped at set dollar amounts and contain
exclusions and restrictions that can lead to denial of a claim.
How can you plan for the unexpected? For MTA members, the answer is the
Medical Air Services Association. MASA is an international organization with
more than one million members that is dedicated to providing lifesaving
emergency assistance services for members while they’re at home, on the job,
or traveling around the world. MASA provides members with a supplement
to their health insurance coverage, offering financial protection for lifesaving
Since 1974, MASA has been saving members from significant financial loss
when they need emergency assistance for illness or injury. MASA provides:
• Emergency air transportation
• Ground ambulance transportation
• Return transportation
Health insurance may not cover transportation
The most common claim submitted to MASA is for ground ambulance
transport within a 20-mile radius of members’ homes. Many people falsely
believe their medical coverage will pay for all costs associated with emergency
or critical care transport. The reality is that insurance may pay up to 80
percent, leaving you responsible for the balance.
MASA members are preapproved for this common occurrence. Insurance
companies and Medicare often will not pay for transportation back to your
home. Medical insurance coverage depends on the seriousness of your
condition and whether you could be safely transported by other means,
such as a car or taxi. In addition, if the provider charges more than is allowed
under your insurance, you are responsible for the difference.
You’re protected 24 hours a day, 365 days a year
In a medical emergency, seconds count. For less than $1 per day, MASA
members can have peace of mind, knowing that lifesaving emergency services
are only a phone call away. One low annual membership fee covers all costs
for flights and services for an entire family. If a member of MASA needs
emergency assistance, the services are completely free to the member and
MASA pays all of the costs of providing lifesaving medical transportation.
With MASA membership, anyone can be covered
• No health questions
• No age limit
• No claim forms
• No deductibles
• No dollar limit on emergency
MASA is the only membership
company that will cover out-of-pocket
expenses resulting from emergency
medical transport by any provider
Single and family memberships are available for periods of one year, five years
and lifetime. MTA members receive a 40 percent discount on membership fees,
and the $60 initiation fee is waived.
• Single membership — $324/year or $27/month
• Family membership — $420/year or $35/month
Why wait? When seconds count, you can count on MASA.
For more information on this new benefit program, visit mtabenefits.com.
• Escort transportation
• Minor children/grandchildren return
• Vehicle return
• Transport of mortal remains