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 Section 627.42398, which mandates that health insurers reimburse nonparticipating ambulance service providers at the lowest of three specified rates: the rate set by local government, 325% of the Medicare rate for the same services, or the provider's billed charges. Additionally, it stipulates that payments made by the insured for copayments, coinsurance, or deductibles will release any further claims for additional payments related to the ambulance services. The bill also limits the cost-sharing responsibilities for services provided by nonparticipating providers to not exceed those for preferred 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 reimbursement requirements for out-of-network ambulance service providers under health maintenance organizations (HMOs). The provisions include the same reimbursement rate structure and cost-sharing limitations as those for nonparticipating providers. The bill is set to take effect on January 1, 2026.