Most health plans don't cover emergency air transport. MASA membership fills that gap — for less than $1 a day. Don't wait until you need it.
Get MASA Today Learn MoreMASA is a membership program that covers emergency medical transport costs that your health insurance leaves behind. One membership protects your entire household.
Emergency air transport to the nearest appropriate medical facility. Covers fixed-wing and rotor-wing aircraft. No balance billing to members.
Emergency ground ambulance transport covered when air transport isn't required. Includes interfacility transfers when medically necessary.
Medical repatriation to return you to your home hospital or residence after stabilization. Critical for Florida snowbirds and travelers.
Most people assume their health insurance covers emergency transport. Here's what they're not telling you:
Medicare only covers 80% of approved ambulance costs — after your deductible. Air transport is often denied as "not medically necessary." You're left with the other 20% plus anything Medicare doesn't approve.
Most private health plans have high deductibles and out-of-pocket maximums that apply to ambulance costs. Air transport bills frequently exceed $25,000 — often classified as out-of-network.
Even with insurance, air ambulance companies can bill you for the difference between what your insurer pays and their full charge. This is legal and common — and can leave you with a $20,000+ bill.
| Situation | Without MASA | With MASA |
|---|---|---|
| Air ambulance needed | $25,000–$50,000 bill | $0 to member |
| Ground ambulance needed | $3,000–$5,000 bill | $0 to member |
| Medical repatriation | Not covered, $10,000+ | Covered |
| Out-of-state emergency | Out-of-network charges | Fully covered |
| Monthly cost | — | Less than $1/day |
If you live in, visit, or spend winters in Florida — MASA is not optional. Here's why:
Spending winters in Florida means you're far from home. If you need transport back to your home hospital or family — MASA covers it. Without it, you're looking at $10,000+ out of pocket.
Medicare's 80% coverage sounds good until you see the 20% of a $40,000 bill. MASA eliminates that exposure completely — for every household member.
Southwest Florida's geography means ground transport can take too long. Air transport is often the only safe option — and the most expensive without MASA.
Florida's storm season creates mass casualty events where air transport demand spikes and costs skyrocket. MASA locks in your protection before the storm hits.
Golf injuries, boating accidents, auto accidents — active adults have higher transport risk. MASA covers all medically necessary emergency transport, regardless of cause.
One MASA membership covers your entire household. Protect your spouse, your visiting kids, and yourself — for less than the cost of a single coffee per day.
Most people add MASA in less than 15 minutes. Our licensed advisors handle the enrollment, explain exactly what's covered, and make sure you're protected before you hang up.
Why add MASA through XactInsure:
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