Back in August I was hit by a moving truck while riding home on my bicycle. Paramedics came to the scene and checked me out. They bandaged my tore up arm and as I remember it mentioned to me that “Ambulance rides are expensive, the hospital is just down the road a block maybe you should just walk there or get some family to take you.” So I did just that, in my post accident haze I waited till my fiance came and got me. We popped into the hospital and I got five brand new stitches in my arm.
A few weeks later I get a bill for $300.00 from the paramedics who arrived on the scene. I joked saying “Thats alot of money for someone to wrap my arm in gauze.” The next day I called the paramedics billing company and forwarded them my medical insurance info. Fast forward to yesterday I see a bill from my insurance co. that is for $300.00. Very much perplexed I called them this morning. During the call I was informed that my coverage only covers paramedic treatment when after you ride to the hospital in the ambulance. I twirled this info around in my head and it hurt. It was so illogical I almost had to spit. I asked the women from the insurance “So let me get this straight. I got hit by a car. Paramedics came because I was bleeding all over the place and stopped the bleeding. I elected not to ride in the ambulance because the hospital was down the road and I am not covered for that?” - “Correct” she replied. My next question was “Had I taken the block ride in ambulance would the insurance cover my paramedic treatment?” The answer was of course “Yep!”
So, because I didn’t want a spectacle made of myself being put into an ambulance, nor did I want one less ambulance out there helping people hurt far worse than me I get stuck with a $300.00 bill for treatment that I needed regardless of how I made it to the hospital.
After the phone call I sat in amazement and then a morbid thought entered my mind. If I had been hit by car and I died on the scene after paramedic treatment and there was no ambulance ride would they still send the bill for the on-side treatment?
I’m still sitting here in awe of the stupidity of this.

