The civic record
Read. Follow. Verify.North Carolina House Bill 456 Caps Out-of-Network Ambulance Cost-Sharing and Appropriates $1 Million
Last action · March 20, 2025: Ref to the Com on Appropriations, if favorable, Rules, Calendar, and Operations of the House (House action)Sponsors: von Haefen and 16 others
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What This Bill Would Do
North Carolina health insurers are prohibited from charging out-of-network for emergency and nonemergency ground ambulance services that exceeds 110% of in-network rates, starting October 1, 2025. The measure also explicitly includes ground ambulance transportation under emergency medical services coverage and appropriates $1 million in recurring funds to the Department of State Treasurer for the State Health Plan.
Insured residents using out-of-network ground ambulances will see a ceiling on how much extra they must pay compared to in-network providers. State health plan members gain statutory coverage mandates for nonemergency ambulance transport, backed by a recurring state funding .
Who It Would Affect
Groups the bill's text would affect if enacted, as described in the record. Being affected is not a position for or against it.
Health insurance beneficiaries
Insured individuals receive capped out-of-network cost-sharing for ground ambulances and guaranteed emergency coverage without prior authorization under qualifying conditions.
Ground ambulance transportation service providers
Providers face statutory constraints and requirements regarding billing, network participation, and coverage standards under health benefit plans.
Health insurers
Insurers must modify their coverage policies, disclosure materials, and cost-sharing calculations to comply with emergency and nonemergency ambulance mandates.
Department of State Treasurer
The department receives recurring state funds to manage the additional coverage requirements imposed on the State Health Plan.
Key Facts
You don't have to trust us. Each fact below is taken straight from the official document - click any one to see the exact passage, highlighted in the original.
Frequently Asked Questions
What is the maximum cost-sharing an insurer can charge for out-of-network nonemergency ambulance rides?
Does this bill apply to emergency ground ambulance services?
When do these insurance changes take effect?
What else do you want to know?
News Coverage
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Votes, people, money & the original sourceWhere This Stands
Currently in committee. The next step in the legislative lifecycle is Floor Vote.
Procedural history
3 actions- Mar 20, 2025HouseRef to the Com on Appropriations, if favorable, Rules, Calendar, and Operations of the House
- Mar 20, 2025HousePassed 1st Reading
- Mar 19, 2025HouseIntroducedFiled
Version history
Only one version on file - nothing to compare yet. As later stages (committee substitute, engrossed, enrolled) are captured, the redline appears here.
View official text →Lobbying Activity
No state lobbying filings in our records match this bill. Federal lobbying reports (LDA) cover Congress, so they are not listed on state bills.
Full breakdown
Who this bill affects and the strongest case for and against it, written only from the bill’s own text.
Sponsors
Show 12 more sponsors
Discoveries
Patterns POLISCOPE noticed across the record. These are observations to investigate, not conclusions.
State Health Plan Funding Allocation
The bill couples private insurance market mandates with a direct recurring appropriation of $1 million to the Department of State Treasurer to absorb costs for the State Health Plan.
Connected Entities
Sources
www.ncleg.gov
Analysis Score
0–100- Significance75How much this matters to a regular citizen
- Controversy40Intensity of disagreement among stakeholders
- Entertainment5Compellingness for a non-policy-wonk reader
- Buzz35Current news / social attention level
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