HB 3243 (2025) Ground Ambulance Balance Billing Law information

Ground ambulance services balance billing protections

HB 3243 (2025) effective January 1, 2026, protects policyholders from balance billing by Ground Ambulance Service Organizations (GASOs) for covered ground ambulance services.

The law applies to all state-regulated health benefit plans. The law also applies to self-funded employer group health plans, Public Employees Benefit Board and Oregon Educators Benefit Board employer group health plans that elect to participate in the provisions of ORS 743B.292.

Refer to ORS 743B.292 and temporary rules for more details.

How patients are protected

A GASO may not bill an enrollee for covered ground ambulance services if the enrollee has paid the in-network cost-sharing amount specified in the enrollee’s health benefit plan. Enrollees cannot be balance billed and any amount they have overpaid must be refunded by the GASO within 45 business days.

Consumer Complaint Information

Consumers may submit complaints related to ground ambulance billing to the division.

File a complaint online or contact us:
Consumer Hotline
888-877-4894 (toll-free)

Insurance Email
DFR.InsuranceHelp@dcbs.oregon.gov

GASO Provider Complaint Information

GASO providers should submit any complaints regarding insurers and this law to HCProvider.Complaints@DCBS.oregon.gov.

Rate Reporting and HB 3243 Questions
dfr.datateam@dcbs.oregon.gov

Public database of ground ambulance rates

GASOs that have established local rates for ground ambulance services provided in their geographic area must submit the established local rates in an electronic format prescribed by DCBS and in accordance with instructions on the Division of Financial Regulation’s website. Established local rates for ground ambulance services include rates for services provided by both public and privately contracted ground ambulance service organizations.

View the catalog of established local rates submitted to DFR on the Oregon Open Data Portal.