North Dakota Century Code Title 26.1. Insurance § 26.1-47-12. Ambulance insurance coverage--Direct payment required--Determination of reimbursement rate for out-of-network ambulance service providers

a. “Ambulance service provider” means a service entity licensed under chapter 23-27 as a basic life support or advanced life support ambulance service. The term does not include an air ambulance provider.

b. “Covered person” means an individual eligible to receive coverage of covered services by a health care insurer under a health benefit plan.

c. “Covered services” means medically necessary patient care or transportation provided by ambulance service providers.

d. “Health care insurer” means an entity subject to state insurance regulation that provides health benefit coverage in this state. The term includes:

e. “Medicare reimbursement rate” means the reimbursement rate for a particular health care service provided under the Health Insurance for the Aged and Disabled Act, title XVIII of the federal Social Security Act of 1965 [42 U.S.C. 1395 et seq.], as amended.

a. Two hundred fifty percent of the Medicare reimbursement rate for the same service in the same geographic area; or

b. The ambulance provider's billed charges.