WV HB3470

Prohibits out-of-network ground ambulance services from balance billing patients beyond their standard copayment, coinsurance, and deductible amounts, effective for policies issued on or after January 1, 2026

Requires insurers to pay out-of-network ambulance providers at 400% of the Medicare rate for the same service in the same geographic area, or the provider's billed charges, whichever is less

Mandates that patient cost-sharing for out-of-network ground ambulance services cannot exceed what would be charged for in-network ambulance services

Requires insurers to pay or deny clean claims within 30 days and remit payment directly to the ambulance provider, not to the patient

Applies to multiple types of health insurance including individual, group, hospital/medical service corporations, health care corporations, and health maintenance organizations; excludes air ambulance services