The bill establishes new provisions for coverage of out-of-network ground ambulance emergency services in Florida. It creates Section 627.42398, which defines "ambulance service provider" and "nonparticipating ambulance service provider," and mandates that health insurers reimburse nonparticipating providers at a specified rate. This rate is determined by the lowest of three options: the rate set by local government, 325% of the Medicare rate for the same services, or the provider's billed charges. Additionally, the bill stipulates that payments made by the insured will release any further claims for additional payments, and limits the insured's cost-sharing responsibilities to not exceed those of in-network providers.

Furthermore, the bill amends Section 627.6699 to require small employer carriers to comply with the new reimbursement provisions for nonparticipating ambulance service providers. It also creates Section 641.31078, which outlines similar requirements for health maintenance organizations regarding out-of-network ambulance service providers. The provisions include definitions, reimbursement rates, and stipulations on cost-sharing responsibilities, ensuring that subscribers are not charged more than they would be for in-network services. The act is set to take effect on January 1, 2026.