The bill amends the Out-of-Network Ambulance Service Provider Act by updating definitions and modifying reimbursement rates for certain ambulance services. Key changes include the addition of "unscheduled and emergency" to the definition of covered ambulance services and clarifying that the minimum allowable reimbursement rate for out-of-network ambulance service providers will no longer be based on local governmental entity rates. Instead, the reimbursement will be the lesser of 325% of the current published rate for ambulance services established by the Centers for Medicare and Medicaid Services or the ambulance service provider's billed charges.

Additionally, the bill stipulates that payments made under this act will be considered full payment for covered ambulance services, barring any copayment, coinsurance, deductible, or other cost-sharing amounts required from the enrollee. It also ensures that these cost-sharing amounts will not exceed those applicable to in-network services. The act is set to take effect on January 1, 2026.