Oklahoma enacts limits on ambulance service billing effective January 2026

The Oklahoma State Legislature has introduced Senate Bill 1067, aimed at reforming the payment structure for ambulance services in the state. Proposed on February 10, 2025, the bill seeks to address the financial burden on patients who utilize emergency ambulance services, ensuring that they are not billed for amounts exceeding what their health insurance covers.

Key provisions of Senate Bill 1067 include a mandate that payments made by health care insurers for covered ambulance services will be considered full payment, excluding any copayments, coinsurance, or deductibles that the enrollee is responsible for. This means that ambulance service providers are prohibited from charging patients additional fees beyond what the insurer pays, thereby protecting patients from unexpected financial liabilities.

The bill also stipulates that any cost-sharing amounts, such as copayments and deductibles, must not exceed the in-network rates for similar services. This provision aims to standardize costs and prevent excessive charges that can arise from out-of-network ambulance services.

As the bill progresses through the legislative process, it has sparked discussions among lawmakers, healthcare providers, and insurance companies. Supporters argue that the legislation is crucial for protecting consumers from high out-of-pocket expenses during emergencies, while opponents raise concerns about the potential impact on ambulance service providers' revenue and the sustainability of their operations.

Senate Bill 1067 is set to take effect on January 1, 2026, if passed. Its implications could significantly alter the landscape of emergency medical services in Oklahoma, potentially leading to more equitable access to ambulance care without the fear of exorbitant costs. As the bill moves forward, stakeholders will be closely monitoring its developments and potential amendments.