How can I help someone with an ambulance bill?

Calling an ambulance is often a split-second decision made in a crisis—but the bill that follows can feel like a second emergency. Many people are shocked by how high the cost can be, especially when they had little or no choice in the moment. Take a moment to prepare yourself with the information below so you can show up as their friend and support partner.

Disclaimer: We strive to keep the information on this page accurate and up to date. However, programs and requirements can change, and we may not always be aware of those changes immediately. If you notice any outdated or incorrect information, or if you have suggestions for additional resources we should include, please reach out to your community's Resources and Opportunities (R&O) manager to make them aware of the changes needed.

Ask Coaching Questions

Seek Clarity:

1. Have you received a notice in the mail? From whom?
2. What has been stated as a consequence of not paying?
3. What deadline has been given? By whom?
4. Review the bill carefully - does it line up with the care you received?
5. What’s the minimum you can pay by your deadline to avoid the consequence?
6. Have you talked to the ambulance company about your situation?

Get to the Root:

Not all medical emergencies can be prevented but some can…

1.  
   1. Do you have Health Insurance?
   2. Do you have a Primary Care Provider?
   3. Do you get regular check ups?
   4. Do you feel comfortable calling your PCP’s office when you’re sick or have a minor injury?

Ask About Options:

1. How much do you think you could realistically afford right now? Each month?
2. Who have you asked for help?
3. What have you tried so far?
4. Have you had an ambulance bill before? If so, how did you handle it?
5. Do you know anyone who has had an ambulance bill before? If so, how did you handle it?
6. Do you have any friends or family who could lend you money?
7. Have you tried to find any organizations that could help?
8. Have you tried talking with the ambulance company to explain your situation?

Take Steps to Advocate

1. Call the billing department at the ambulance company and ask for the bill to be forgiven.
2. They will likely ask for proof of your income/assets.
3. If you agree you are unable to pay you will either forgive or reduce your bill
4. If you reduce your bill you can ask for a payment plan that you can afford (even $10-$15/month)

**Keep track of who you talk to, what you said, and the dates of the call

Connect with Resources

Get Advice/Information

1. Request your billing record from Baltimore City Fire Department

Address the Immediate Need

*We are not aware of any financial assistance programs that provide assistance to cover ambulance bills

Attempt to Prevent Future Crises

1. Sign up for health insurance with HealthCare Access Maryland at 410-500-4710 or 1-855-288-3667
2. Find a Primary Care Physician

1.  
   1. Mercy Medical Center
   2. Hopkins Community Physicians
   3. Spanish health clinic
   4. Call your health insurance company and ask for a list of providers