MSB has spearheaded specialized revenue cycle management for the Empire State’s EMS sector since 1971. We recognize the mounting pressure on New York providers, who must balance the $1,385 FDNY-standard rates against rising overhead and strict Local Law 59 disclosure mandates. Our team secures your financial future by integrating live authorization verification with a robust, data-driven methodology for overcoming systematic insurance underpayments.
By combining fifty-five years of regional expertise with modern tools, we do more than capture payments; we master the REMSCO protocols and New York’s specific “No Surprise” billing protections to defend your agency’s bottom line. Our reputation is built on ethical recovery, ensuring that emergency transports across every borough are billed with total precision. Aligning with MSB provides the structural strength needed to navigate the complexities of NYC’s public-private 911 partnership.
We utilize a strategic four-phase model to boost your revenue while navigating New York’s complex regulatory landscape. Our process moves quickly to keep your agency’s cash flow strong and compliant with 2026 mandates.
Phase 1: Claim Validation & Billing (Days 1–30) We focus on 24-hour turnarounds to capture the $1,385 FDNY-standard base rate. Our team verifies insurance and medical records immediately to stay ahead of the city’s strict managed-care filing windows and avoid retroactive authorization rejections from local payers like Empire BCBS.
Phase 2: Managed Care Follow-up (Days 31–60) Our specialists aggressively pursue unpaid claims from major carriers including UnitedHealthcare and Aetna. We handle the technical appeals for AB 7298 “surprise billing” disputes, utilizing New York’s Independent Dispute Resolution (IDR) process to recover maximum revenue for out-of-network transports.
Phase 3: Formal Collections & Notice (Days 61–90) Unpaid accounts move to a stage governed by the Rosenthal Act and Local Law 59. We send professional notices that adhere to New York’s total ban on credit bureau reporting, protecting your reputation while effectively encouraging patient responsibility through transparent pricing disclosures.
Phase 4: Final Recovery & Review (Day 91+) For complex accounts, we review legal options within New York’s 3-year medical debt limit. We utilize every compliant resource to ensure your borough-based or rural agency receives the funding it is owed before the shortened statute of limitations expires.
Get a custom recovery plan with projected collection rates for your portfolio. Most clients see results in 30 days.
At MSB, we believe in doing things the right way. We know that collecting for ambulance trips is about more than just numbers—it’s about taking care of your patients. Our team is fully trained on the latest New York laws for 2026, which we follow to keep your agency safe and respected.
No Credit Bureau Reporting (FMDRA) In New York, it is illegal to report medical debt to credit bureaus. We make sure no ambulance bill ever hurts a patient’s credit score. We follow this rule strictly to keep your agency in the clear.
Protection from "Surprise" Bills (AB 7298) New York law stops patients from getting huge, unexpected bills for out-of-network emergency trips. We handle the argument with the insurance company for you using the state's official "dispute resolution" system to make sure you get paid a fair amount without billing the patient for the difference.
Clear Prices & Rules (Local Law 59) We make sure your agency follows NYC transparency rules by giving patients clear info about what things cost. We also handle all the complicated paperwork and "prior-approvals" that New York insurance plans require, so your claims don't get rejected for small mistakes.
By partnering with MSB, you align with an organization that mirrors the integrity and professional excellence of your EMS agency in every borough.
Choosing MSB means having a partner who knows the local landscape inside and out. We don’t just handle bills; we fix the specific problems that metro-area ambulance teams deal with every day. With over 55 years of work in the region, we turn messy insurance paperwork into steady money for your team.
Only Pay When We RecoverYou don't pay us anything up-front. We only get a fee when we successfully get your money back. This means we are just as motivated as you are to close every case across the Five Boroughs. Improved Cash Flow We work quickly to finish old, unpaid bills. This puts money in your pocket sooner so you can focus on helping the community instead of worrying about the bank account. Proven Recovery Success RateWe are experts in the Empire State's ambulance billing, not just general debt. We use decades of local data to find and collect money that other companies usually miss. Transparent & Real-Time ReportingOur online tool lets you see your claims at any time. You can watch every payment as it happens, helping you follow regional "price transparency" laws while knowing exactly how much you’ve earned. Key Benefits of Choosing MSB For Debt Collection MSB works as an extra part of your team, helping local rescue squads fix the problem of unpaid insurance claims. We use 55 years of experience and new tools to get back the money your crews have earned.
Multi-Channel Patient Outreach: We talk to patients through phone calls, mail, and phone alerts. This makes it simple for people to get updates and pay their bills in the way they like best.
Automated Payment Tracking: Our system records every payment the moment it happens. This keeps your books 100% accurate without your staff having to type in any data.
Reduced Administrative Burden: We handle the difficult billing for both city and country areas. This lets your team focus on saving lives instead of filling out insurance forms.
Strict Legal Protection: We follow all rules, including the Fair Medical Debt Reporting Act. Our process keeps your name safe and follows the total ban on reporting medical debt to credit bureaus.
Our Track Record
Frequently Asked Questions
Unpaid ambulance bills typically move to collections after 180 days. However, New York state law prohibits debt collectors from reporting ambulance or other medical debt to credit bureaus, garnishing wages, or placing liens on a patient’s primary residence.
No. Under New York’s Fair Medical Debt Reporting Act, medical debt cannot appear on consumer credit reports. Any medical debt reported to a credit bureau is a violation of state law and can be disputed.
You can contact the ambulance provider’s billing office directly. As of 2026, many New York City ambulance agencies accept lump-sum settlements for less than the total balance, particularly if you are uninsured or can demonstrate financial hardship.
Yes. Most ambulance providers in New York offer payment plans. Under Senate Bill 1061, agencies must provide affordable monthly payment plans to patients with household incomes below 400% of the federal poverty level.
Hospitals and medical providers in New York must wait at least 180 days after issuing the first bill before sending an account to collections. They are also required to screen patients for Financial Assistance (Charity Care) eligibility before referring the debt to a collection agency.
You can request an itemized bill to identify billing errors, reference the Hospital Fair Pricing Act, and apply for New York’s Charity Care program. Hospitals are required to discount or reduce bills for patients who meet income eligibility requirements.
When a provider sends a bill to collections, a third-party agency such as MSB manages the account. Although the agency may contact you to arrange payment or settlement, your credit report remains protected under New York law.
Contact Us Today
Ready to improve your debt recovery? Contact our team for a free, no-obligation consultation.