IN HB1370

Prohibits utilization review entities from requiring prior authorization for ambulance services provided by nonparticipating providers within 12 hours of request, and for emergent or urgent response services provided in good faith within 24 hours of request

Expands reimbursement requirements for emergency medical services to include responses initiated through 911, equivalent phone numbers, texting systems, or any other method of summoning emergency services

Requires insurance policies and HMO contracts to reimburse emergency medical services when a physician determines an individual requires such services, regardless of whether the patient is transported

Removes the limitation that reimbursable emergency services must be "advanced life support services," broadening coverage to all emergency medical services within a provider's scope of practice

Effective July 1, 2026; applies to accident and sickness insurance policies, individual contracts, and group contracts that provide emergency medical services coverage