TN HB1061

Out-of-network ambulance service providers are prohibited from balance billing patients enrolled in health benefit plans for covered ambulance services, effective for plans issued or renewed on or after July 1, 2025

Patient payment obligations for out-of-network ambulance services are capped at the lesser of: in-network cost-sharing amount, the provider's billed charges, or 325% of the Medicare rate for the same service in the same geographic area

Health insurers must apply patient payments for out-of-network ambulance services toward in-network deductibles and out-of-pocket maximums

Ambulance service organizations are prohibited from requiring patients to sign waivers that would void or alter these balance billing protections

Applies to both ground and air ambulances transporting individuals with emergency medical conditions