WV SB717

Prohibits out-of-network ground ambulance services from "balance billing" patients beyond their normal copayments, coinsurance, and deductibles for health insurance policies issued on or after January 1, 2026

Requires insurers to pay nonparticipating 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 less

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

Requires insurers to pay clean claims directly to out-of-network ambulance providers within 30 days, with exceptions for fraud, coordination of benefits, or when another party is responsible

Applies identical provisions across five insurance code articles covering accident and sickness insurance, group insurance, hospital/medical service corporations, health care corporations, and health maintenance organizations