The Difference Between Emergency vs. Non-Emergency Rides

It’s a fair question — especially when you can’t (or shouldn’t) drive yourself. You might think, “I have Medicare, so shouldn’t they pay for me to get to the doctor?” Well… it depends on why you need the ride.

Emergency Transportation (Ambulance)

Medicare does cover emergency transportation when it’s medically necessary — like if you’re having chest pain, severe bleeding, or need immediate hospital care. That falls under Part B, and it covers:

• Ambulance services to the nearest hospital or medical facility
• Air ambulance in certain cases (if ground transport isn’t safe or fast enough)

You’re responsible for 20% of the cost after your Part B deductible — but it’s still covered.

Non-Emergency Transportation (Routine Appointments)

Here’s where most people are surprised: Medicare does not cover transportation for routine doctor visits, lab work, or checkups. However, some Medicare Advantage (Part C) plans include non-emergency transportation benefits — like a set number of rides per year to your doctor, pharmacy, or therapy visits. These benefits vary by plan and are a game-changer for people who no longer drive.

Tip

Always check your specific Medicare Advantage plan benefits before scheduling a ride. Non-emergency transportation isn’t standard — but if your plan includes it, you could save money and avoid last-minute stress.

Doreen Marino | 65+ Insurance Solutions | www.dmarinomedicare.com