WV SB632

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

Requires insurers to pay out-of-network emergency medical services agencies at 400% of the Medicare rate for ambulance services in the same geographic area, or the agency's billed charges, whichever is lower

Mandates insurers pay claims directly to out-of-network ambulance providers within 30 days of receiving a clean claim, rather than sending payment to the patient

Exempts air ambulance services from these requirements and excludes insurers with Medicaid or CHIP contracts through the Bureau for Medical Services

Applies uniformly across five categories of health insurance: accident and sickness insurance, group insurance, hospital/medical/dental service corporations, health care corporations, and health maintenance organizations