GA HB506

Amends Georgia's Surprise Billing Consumer Protection Act to require healthcare plans to cover out-of-network emergency ambulance transport services when requested by a first responder.

Sets minimum reimbursement rates for out-of-network ambulance providers at either the rate established by local government contract/ordinance, or the lesser of 325% of Medicare rates or the provider's billed charges.

Prohibits patients from being charged copayments, coinsurance, or deductibles for out-of-network ambulance services that exceed what they would pay for in-network ambulance services.

Requires insurers to pay clean claims directly to ambulance providers within 30 days, and to notify providers within 30 days if claims are denied or require additional information.

Effective date: January 1, 2027.