N.D. Cent. Code § 26.1-47-09: Air ambulances

1.A health benefit plan may not be issued in this state unless the plan provides the reimbursement rate for out-of-network air ambulance provider services is equal to the average of the insurer's in-network rates for air ambulance providers in the state.

2.An insurer may not use the average of an insurer's in-network rates for air ambulance providers in the state in order to decrease current or future contractual rates between an insurer and an air ambulance provider.

3.For purposes of settling a claim made by the insured for air ambulance services, a payment made by an insurer under the plan in compliance with this section is deemed to be the same as an in-network payment and is considered a full and final payment by the insured for out-of-network air ambulance services billed to the insured.

4.This section does not apply to a policy or certificate of insurance, whether written on a group or individual basis, which provides coverage limited to:

a.A specified disease, a specified accident, or accident-only coverage;

b.Credit;

c.Dental;

d.Disability;

e.Hospital;

f.Long-term care insurance as defined by chapter 26.1-45;

g.Vision care or any other limited supplemental benefit;

h.A Medicare supplement policy of insurance, as defined by the commissioner by rule or coverage under a plan through Medicare;

i.Medicaid;

j.The federal employees health benefits program and any coverage issued as a supplement to that coverage;

k.Coverage issued as supplemental to liability insurance, workers' compensation, or similar insurance; or

l.Automobile medical payment insurance.