Borough Answers Ambulance Billing Questions
The borough website now contains a Frequently Asked Questions page about third-party ambulance billing
Third-party ambulance billing, which went into effect March 1, is expected to generate hundreds of thousands of dollars for the borough -- although the first financial report won't be available until at least June 1.
While most things will remain the same for residents, questions about the practice continue to persist, so council instructed the manager to post on the borough website a list of answers to the questions they hear most often.
"Around town as I speak to people there’s still a lot of uncertainty in regard to the third-party billing for the ambulance corps," Deputy Mayor John Cosgrove said at a recent council work session. "I think we need to continue to educate residents."
A couple of the key differences residents might notice include that the word "Volunteer" has been removed from the side of the ambulances. Despite this, Fair Lawn's Ambulance Corps is still a volunteer operation. Proceeds from the billing go only to the borough.
Another change noted by Cosgrove is that two EMTs must now be present on all calls, which has altered who might drive the ambulance. In the past, drivers have sometimes been members of the Rescue Squad or Volunteer Fire Department.
The manager's office worked in concert with the Fair Lawn Volunteer Ambulance Corps to construct the list of 11 frequently asked questions displayed below.
FREQUENTLY ASKED QUESTIONS
Who bills for the ambulance transport service and who do I contact with billing questions? The Borough has contracted with Revenue Guard, an approved third-party administrator to handle the billing.For billing questions, please call 1-866-624-0900, 7 days a week from 8:00 a.m. to 5:00 p.m.
Will a patient be denied ambulance service if he/she does not have insurance?NO. The ability to pay will NEVER be considered when rendering ambulance transport service in Fair Lawn. The ambulance will be dispatched as appropriate regardless of the ability to pay.
Will I have to pay for the ambulance service at the time it is provided/rendered? NO. A payment will NOT be expected at the time of transport, and all persons will be transported regardless of insurance coverage or their ability to pay.
What if I have no insurance? Will I get a bill if I call for an ambulance? NO. Residents will not be billed who do not have medical insurance or if their insurance company does not cover ambulance transport services.
Will the Borough bill residents the balance if the insurance company doesn’t pay the full amount? NO. The Borough will accept the amount paid by the insurance company as payment in full.
What if I receive a bill for ambulance transport service? If you receive a bill, please call 1-866-624-0900, 7 days a week from 8:00 a.m. to 5:00 p.m.
Will my insurance be billed if I decide not to go to the hospital? NO. The charges are for emergency transportation. There will be no charge if you are not transported.
Will patients that do not live in Fair Lawn be billed? YES. All patients who are not residents or taxpayers of the Borough who utilize Federally Funded Insurance Programs shall be billed and be liable for any co-payments or deductible amounts not satisfied. Only one reasonable effort will be made to collect when permissible under Federal and State Laws and Regulations.
Is Fair Lawn the only town billing for its ambulance service? NO. Many of the towns in this area and across New Jersey are currently initiating the same type of billing policy including Ridgewood, Paramus, Maywood, Paterson, Clifton, and Passaic.
Are the people responding on the ambulance still volunteers? YES. The people staffing the ambulances are the same volunteers from the Fair Lawn Ambulance Corps that have always and will continue to respond to Fair Lawn’s medical emergencies 24 hours a day, 7 days a week, 365 days a year.
Does the Ambulance Corps need volunteers and does the Ambulance Corps accept donations? YES. The Fair Lawn Ambulance Corps is always in need of volunteers as well as donations and appreciate support from the community. To volunteer, donate or for more information, please call 201-797-5321
SwornCrookedthieves
9:11 am on Wednesday, March 14, 2012
I'm so glad we understand the whole billing process. Now that we do, and the insurance industry now understands this scheme, what happens when the insurance industry puts an end to ambulance billing after they realize how their politician friends are passing the buck? How much will insurance rates go up as a result of this passing of the buck? If these politicians think they fixed something, think again. EVERYTHING A POLITICIAN TOUCHES TURNS TO GARBAGE!
SwornCrookedthieves
9:54 am on Wednesday, March 14, 2012
On top of the residents being victim's in this, the true volunteers who are at the ambulance corps, the dedicated people, are the other victims. Picture your loved one who just suffered a stroke, or the accident victim, requesting the ambulance from Fair Lawn, then the ambulance arrives, everyone is confused, short of breath, hanging onto life, and then the question is asked, "Who is your insurance carrier". The poor volunteer is now looked upon as the grim reaper, only because the very people who decided upon this idea were not on that front line. I blame the officer's at the corps for not standing up for the very values Fair Lawn used to stand for!
Tom Tom, the piper's son
10:50 am on Wednesday, March 14, 2012
Being that the ambulance now "costs" us what have we gotten for our money? What I mean, do they now have a duty roster for at least 2 members to be on-call 24/7? Ok, that's just one rig. Don't we have 3? And don't we have instances where all 3 have been out at the same time? So that's 6 members on call? Since we are paying, do we get guaranteed response times now? Also, has anyone gotten a guarantee that failure to pay Revenue Guard will not become a blemish on one's credit report? In fact, has anyone gotten a hold of the agreement the boro signed with Revenue Guard? Can the taxpayers see what the politicians have actually agreed to?
Bruce Knuckle
1:35 pm on Wednesday, March 14, 2012
Volunteer was appropriayely removed. How they could have allowed the town to manipulate them is beyond me, unless something is in it for them. Most volunteers are proud of the volunteer word and would NEVER remove it from their equipment. Make sure you thank our leaders for this ....Who was mayor again last year?
Mike
3:37 pm on Wednesday, March 14, 2012
i have not doubt the people who run the ambulance squad are getting kickbacks
Mike
3:39 pm on Wednesday, March 14, 2012
obviously these "volunteers" are not proud
Ambulance Advocate
6:48 pm on Wednesday, March 14, 2012
How sad it is that the people making comments have not been educated on the costs and time that is involved. Tax money does not come close to paying the cost to have an ambulance service available at the time of a call. So many volunteers that give up their family lives at all hours of the day and nights, without pay. Those that leave their place of employment to help those in need. You are right, these volunteers are proud enough to be ignoring statements made above and continue to support those in their communities despite their negative comments. Should all of the volunteers decide not to respond and your community then needs to hire in a private ambulance company, then you all will wish the volunteers would still be around. Call a private ambulance company, like AMR and see what a transport would cost. The costs involved do not start when they show up at your door and the cost does not end once they drop you off at the hospital. The cost starts with the long hours of EMT training, the cost of machines and equipment in the back of the squad, the cost of the squad itself that runs into 6 figures. Supplies, gas, tires, buildings, training, electric bills, state required continuing education and travel to those classes, drug licenses, drugs alone, cots that run upwards of $8,000, defib equipment costing upwards of $25,000, software updates and hardware for reporting transports to the states, and the list goes on.
Ambulance Advocate
7:05 pm on Wednesday, March 14, 2012
One more comment to be pushed here is the cost of an ambulance ride is going to be less that 1% of any claim paid by an insurance company. If the transport was truly needed, say for a chest pain, then the cost of this transport is hardly going to be the reason that insurance would increase it's premiums. The $2k emergency room visit, along with the diagnostic charges, along with a surgeon's charge of $20k on up for stents or higher for bypass, along with the in hospital stay of $70k for a 4 day stay while recouping is far more of a reason for the insurance to increase premiums than a $500 transport. The fact that the service is willing to not balance bill to you what is left over after insurance pays or denies is quite generous as what tax dollars are being collected is making up the difference. The only time that would be abusive to the insurance companies would be during those 911 calls that come in because of an ear ache, or a cut finger, or waking up with a back pain not caused by an accident and asking a trauma unit to transport a patient that could have ridden in a car safely to the hospital without any risk of loosing life or limb.
Ambulance Advocate
10:21 pm on Wednesday, March 14, 2012
It is too bad you are closed minded about a situation that is so very important to a community. We represent over 300 different volunteer ambulance companies in 17 states that are struggling to stay afloat because of the financial burdens. Many have disbanded and the communities are left with no ambulance service or have had to call in a private service. The private services do not setup shop in smaller communities but rather travel a distance from a larger community thus making the response time much longer while someone is waiting in pain. Also the charge is twice the cost of most volunteer services. Try googling volunteer ambulance services that have disbanded recently. The numbers are increasing nationwide because communities have a misunderstanding to the debt and costs it takes to operate an ambulance service and therefore they turn their backs to the organizations that need them most. Volunteer or not. Call me what you will but be greatful you have volunteers at this point.
Ambulance Advocate
9:54 am on Thursday, March 15, 2012
I am no where near your community nor do I have any dealings with your community. I get tired of hearing people whine about situations in the communities in regards to the ambulance industry and they have not educated themselves but mearly spue off the top of their heads. You are doing more damage than good to these organizations.
Ambulance Advocate
2:45 pm on Thursday, March 15, 2012
Money is not typically asked for while a patient is in duress. But you can bet, the hospitals and doctors are going to ask for payment after treatment. Why is the ambulance any different to not be deserving to offset their cost by the ones that utilize the ambulance instead of the volunteers paying for everyone out of their pockets. The only difference here is that volunteer ambulance companies are just looking to support the ambulance and training so they can be available when a call comes in. You think back to these emails, since you know so much, and remember in the next five years or so when either a private ambulance company does have to support your community, or if your volunteer ambulance disbands, remember that while you are trying to prove a point you have not educated yourself and something could have been done. You obviously are the type that has your hands out for free services.
Marty Cone
11:27 am on Friday, March 16, 2012
Please!!! Fair Lawn ambulance wasnt going to disband. Your type buffaloed an ingnorant Mayor and council.
Ambulance Advocate
4:05 pm on Thursday, March 15, 2012
So how much have you donated to the volunteer ambulance service in the past years? Those who tend to do the most complaining we have found have donated nothing in time or money.
BellairBerdan
7:56 pm on Thursday, March 15, 2012
I wonder why Adolph Little Moustache always says he has the freedom of speech to post on any Patch site he wants, when he doesn't live in town, yet he seems to deny that freedom to others?