This bill establishes new provisions for the reimbursement of ground ambulance services provided by nonparticipating and out-of-network ambulance service providers in Florida. It creates Section 627.42398, which mandates that health insurers reimburse nonparticipating ambulance service providers at the lowest of specified rates, including local government rates, a percentage of Medicare rates, or the provider's billed charges. Additionally, it stipulates that payments made by insured individuals will release any further claims for additional payments, and that their cost-sharing responsibilities cannot exceed those of preferred providers. The bill also amends Section 627.6699 to require small employer carriers to comply with these reimbursement provisions.

Furthermore, the bill introduces Section 641.31078, which outlines similar reimbursement requirements for out-of-network ambulance service providers under health maintenance organizations (HMOs). It defines the terms related to ambulance service providers and establishes that HMOs must reimburse out-of-network providers at the lowest of the same specified rates. Like the provisions for nonparticipating providers, payments made by subscribers will also release any additional claims, and their cost-sharing responsibilities are capped at in-network levels. The act is set to take effect on January 1, 2026.