This bill establishes new regulations for reimbursement of ground ambulance services provided by nonparticipating and out-of-network ambulance service providers in Florida. It creates two new sections in the Florida Statutes: Section 627.42398, which mandates that health insurers reimburse nonparticipating ambulance service providers at the lowest of specified rates, and Section 641.31078, which requires health maintenance organizations to do the same for out-of-network ambulance service providers. Both sections define the terms "ambulance service provider," "nonparticipating ambulance service provider," and "out-of-network ambulance service provider," and outline the reimbursement rates based on local government rates, federal Medicare rates, or the providers' billed charges.

Additionally, the bill stipulates that payments made by insured individuals or subscribers will constitute an accord and satisfaction, releasing any claims for additional payments related to the ambulance services. It also limits the cost-sharing responsibilities for services provided by nonparticipating and out-of-network providers to not exceed those for in-network services. The bill amends existing law to ensure small employer carriers comply with these new reimbursement provisions. The act is set to take effect on January 1, 2026.