DE SB207

Requires all individual health insurance policies issued or renewed on or after January 1, 2015 to cover ambulance runs and basic life support (BLS) services provided by certified volunteer ambulance companies.

Coverage must include the full cost of volunteer ambulance services with an allowance for uncompensated service, delivered as an allowable charge, 100% payment, or a combination thereof.

Establishes arbitration process through the Insurance Commissioner to resolve disputes between volunteer ambulance companies and insurers over allowable charges, with the non-prevailing party paying arbitration fees.

Requires insurers to pay volunteer ambulance companies their assessed charges upfront pending Commissioner determination, which payments are not subject to reimbursement after the determination is made.

Exempts specific limited benefit policies (hospital confinement indemnity, disability income, long-term care, Medicare supplement, specified disease indemnity, and supplemental health insurance) and managed care organizations serving Medicaid and Delaware Healthy Children Program recipients.