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Emergency Transport Protection

Responding to the call for innovation 

We’re not taking emergency calls, but we are first on the scene when it comes to innovative supplemental health benefits. We’ve teamed up with industry leader MASA to provide a robust emergency transport benefit paired with our accident insurance coverage.  

There isn’t another supplemental health insurance carrier providing this exclusive benefit and we’re proud to lead the way. 

Coverage that fulfills a critical need

The federal No Surprises Act protects consumers from many unexpected medical charges, but it doesn’t include emergency ground transport bills. 

Ambulance rides are expensive and often out of network, typically resulting in unexpected out-of-pocket costs. Many accident insurance products have an ambulance benefit that pays a flat dollar amount, but it’s frequently much less than the total emergency transport cost.

Emergency Transport Protection goes beyond flat dollar payouts and provides comprehensive coverage for critical EMS services and medical ground and air ambulance rides due to any health care event, not just accidents.

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With Emergency Transport Protection, out-of-pocket ambulance expenses are covered

Icon of an ambulance

$2K

average cost for ground ambulance1

Icon of an emergency helicopter

$69K

average cost for air ambulance1

Bill pay | Icon - 2c background

Nearly 60%

of ambulance rides result in an out-of-network bill2

1 in 15 US families require an ambulance each year3

1 in 3 caregiving families require an ambulance each year3

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Powered by MASA

Founded in 1974 as Medical Air Services Association, Inc., MASA is the leading emergency transportation benefit built to enhance health care plans by covering the out-of-pocket costs associated with emergency medical transport. Today, as a global organization with 14 international locations and covering all 50 states and Canada, MASA serves more than 2 million members with emergency and non-emergency transportation benefits and so much more. Basic coverage area includes the continental U.S., Hawaii, Alaska, Mexico, and Canada, with worldwide coverage offered for certain plans. For more information, visit masaaccess.com. 

Supplemental health insurance

Supplemental health insurance complements health plans by providing a benefit payment due to the occurrence of an event requiring medical attention. Programs can be designed to meet the needs of diverse workforces with little or no cost to employers and serve as a compelling benefit to help support employee recruiting and retention.

Explore supplemental health

1. MASA claims data, January 2024.

2. FAIR Health, September 2023. 

3. Milliman data compiled December 2023.  

Emergency Transport Protection powered by MASA is offered through Obsidian Insurance Company, with its principal place of business at 1330 Avenue of the Americas, Suite 23A, New York, NY 10019. Coverage is not available in all states and is subject to the company underwriting guidelines and the issued policy. Policy forms and policy terms may vary by state and territory. 

MASA and Obsidian are not affiliates of Securian Financial Group, Inc.

The benefits listed, and the descriptions thereof, do not represent the full terms and conditions applicable for usage and may only be offered in some memberships or policies. Premiums and benefits vary depending on the plan selected. MASA MTS utilizes third-party transportation service providers and does not own or lease any vehicles. MASA, MASA Global, MASA MTS and MASA TRS are registered service marks of MASA Holdings, Inc., a Delaware corporation and an affiliated company with Medical Air Services Association, Inc. (MASA), Medical Air Services Association of Florida, Inc. (MASAF), and MASA Insurance Services, Inc. (MISI) 

Accident insurance is issued by Securian Life Insurance Company, a New York authorized insurer headquartered in St. Paul, MN. Product availability and features may vary by state. Securian Life Insurance Company is solely responsible for the financial obligations under the policies or contracts it issues. Products are offered under policy form series 23-32590 or a state variation thereof. 

DOFU 10-2024

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