Medicare will pay for ambulance rides only if they are medically necessary—meaning there was no other way to transport a patient without putting their health at risk. Your mom’s trip to the ER was considered medically necessary, and the codes submitted to Medicare by the ambulance service indicated the need for emergency transportation. But the ride back home was not an emergency. Since Medicare only covers nonemergency ambulance rides in limited situations, the ride home was not covered. Part B covers 80 percent of the cost for approved ambulance services. Since your mom did not incur any cost to the hospital, it is likely she has met the 2025 Part B deductible of $257 and her supplemental or secondary insurance paid the remaining 20 percent. If your mom has a Medicare Advantage plan, her plan would also cover medically necessary ambulance rides, but copayments vary by plan. Not all ambulance services participate with Medicare. If possible, ask whether the ambulance service accepts Medicare beforehand. If it doesn’t, you will be stuck with the entire bill.

Medicare Advantage plans often include supplemental or extra benefits that are not available through original Medicare, like basic dental, vision or fitness. These benefits are usually available to everyone enrolled in the plan, although some may be restricted to certain plan members. For example, meal delivery might only be offered to people who were recently hospitalized, or cash allowances for groceries may be limited to those with specific medical conditions or illnesses. You will need to call the plan directly or review the plan description (this was mailed or sent electronically) to find out what benefits you can use. Starting this year, all Medicare Advantage plans must send you a personalized notice by July 31 that lists the extra benefits you’re eligible for but haven’t yet used.