Why MASA?
Whether you are at home or away, Medical Access & Service Advantage (MASA®) helps ensure a medical emergency does not also become a financial emergency. It protects you from expenses Medicare and insurance plans often leave behind. A MASA membership helps protect you from out-of-pocket expenses for emergency medical transportation and associated expenses.
Did you know?
- The average cost of a ground ambulance ride is about $2,068. 1
- The average air ambulance bill is $72,469. *1
- Over 1 in 4 people have no emergency savings.2
- 1 in 4 Americans didn’t call an ambulance during a medical emergency for fear of costs. 3
Association members save more: Secure a MASA program today at your exclusive association group rate.
How Does MASA Work?
Call 911
When faced with an emergency, don’t think twice about calling 911 for help. Call 911 and get the help you need right away. You do not need to contact MASA or AMBA in a medical emergency.
Take Advantage of Your Benefits
Your MASA membership includes more than just ambulance and air ambulance protection. It also covers services like hospital private room upgrades, vehicle return, and more, giving you added protection and peace of mind during your recovery.
Send Your Medical Transportation Bills to MASA
Within 180 days of the emergency, submit your ambulance bills to MASA, who will confirm your primary health insurance has processed your claim. Then, MASA will work with the ambulance providers to resolve your transport bill and other costs included in your plan.
We have a MASA solution to fit everyone's needs and budget.
MASA has been trusted for over 50 years and supports 2 million members globally. MASA offers the only comprehensive nationwide protection for emergency transportation costs, to safeguard you against catastrophic financial loss. Best of all, acceptance is guaranteed—no health questions, no medical history required.
While our core benefits are included in all MASA membership plans, additional services can vary depending on the plan you select. Depending on your age, health, job, travel schedule and hobbies, each plan can be extremely beneficial. To learn more about this medical transportation protection view the dropdowns below.
When considering what is right for you, we highly recommend speaking to one of our knowledgeable representatives or consult with a family member.
Emergent Premier
Emergent Premier
Ideal for individuals aged 20 to 50 who primarily reside or travel within the United States and Canada.
- Emergency Ground Ambulance Coverage
- Hospital to Hospital Ground Ambulance Coverage
- Emergency Air Ambulance Coverage ($20,000 cap)
- Hospital to Hospital Air Ambulance Coverage ($20,000 cap)
- Repatriation to Hospital Near Home Coverage
- Post Admission Continued Care Transportation Coverage
- Sick While Away From Home Expense Protection
- Minor Return Transportation Coverage
- Pet Return Transportation Coverage
Platinum VS. Lifetime Platinum
Platinum
Best suited for association members who primarily reside or travel within the United States and Canada, across both rural and urban communities.
- Emergency Ground Ambulance Coverage
- Hospital to Hospital Ground Ambulance Coverage
- Emergency Air Ambulance Coverage
- Hospital to Hospital Air Ambulance Coverage
- Repatriation to Hospital Near Home Coverage
- Patient Return Transportation Coverage
- Companion Emergency Transportation Coverage
- Hospital Visitor Air Transportation Coverage
- Minor Return Transportation Coverage
- Pet Return Transportation Coverage
- Vehicle & RV Return Coverage
- Organ Retrieval Transportation Coverage
- Organ Recipient Transportation Coverage
- Mortal Remains Return Transportation Coverage
Lifetime Platinum (available to 50+ ages)
All of the above, plus…
- Medical Device Bracelet
- Attorney Search
- Emergency Message Relay Center
- Prepay Foreign Currency Emergency Transportation Coverage
- Nurse Helpline
- Physician Search
- Translation Services
- Global Advisor
- Concierge Service
Emergency Shield Plus VS. Lifetime Emergency Shield Plus
EMERGENCY SHIELD PLUS PLAN
Best suited for association members who travel the world, enjoy cruises, and reside in rural and urban communities. Bonus feature…protection for grandchildren & great grandchildren.
- Emergency Ground Ambulance Coverage
- Worldwide Emergency Ground Ambulance Coverage
- Hospital to Hospital Ground Ambulance Coverage
- Worldwide Hospital to Hospital Ground Ambulance Coverage
- Emergency Air Ambulance Coverage
- Worldwide Emergency Air Ambulance Coverage
- Hospital to Hospital Air Ambulance Coverage
- Worldwide Hospital to Hospital Air Ambulance Coverage
- Repatriation to Hospital Near Home Coverage
- Cruise Ship Evacuation Coverage
- Cruise Ship Return Transportation Coverage
- Grandchildren & Great Grandchildren Protection
- Companion Emergency Transportation Coverage
- Companion Return Transportation Coverage
- Hospital Visitor Air Transportation Coverage
- Hospital Visitor Ground Transportation Coverage
- Minor Return Transportation Coverage
- Vehicle & RV Return Coverage
- Worldwide Vehicle & RV Return Coverage
- Patient Return Transportation Coverage
- Post Admission Continued Care Transportation Coverage
- Sick While Away From Home Expense Protection
- Medical Payments Advisor
- Hospital Private Room Upgrade
- Extended Hospital Stay Incidental Expenses
- Organ Retrieval Transportation Coverage
- Organ Recipient Transportation Coverage
- Mortal Remains Return Transportation Coverage
- Transportation Interruption Expense Protection
LIFETIME EMERGENCY SHIELD PLUS PLAN
All of the above, plus…
- Hospitalization Indemnity Protection Coverage
- Medical Device Bracelet
- Attorney Search
- Emergency Message Relay Center
- Prepay Foreign Currency Emergency Transportation Coverage
- Nurse Helpline
- Physician Search
- Translation Services
- Global Advisor
- Concierge Service
Benefits of Upgrading
Lock in Lifetime with just one payment—and enjoy protection for life while saving thousands.
Additional services with this upgrade includes:
- Medical Device Bracelet
- Attorney Search
- Emergency Message Relay Center
- Prepay Foreign Currency Emergency Transportation Coverage
- Nurse Helpline
- Physician Search
- Translation Services
- Global Advisor
- Concierge Service
Contact Information
Office Address
AMBA
4050 114th Street
Urbandale, Iowa 50322
Application Mailing Address
AMBA
6034 W Courtyard Dr Ste 300
Austin TX 78730-9905
Phone
Opening Hours
Monday - Friday 8:00 AM - 5:00 PM CT
Frequently Asked Questions
Do MASA membership benefits apply to emergencies at home?
Yes! Medical Access & Service Advantage (MASA®) core protections from out-of-pocket costs for emergency ground or air transportation apply nationwide and in Canada, including transfers to hospitals with greater levels of care when required by your physician.
Do I call MASA for my emergency?
No. In the event of an emergency, call 911 and get yourself or your loved one the care you need. Later, when you receive a bill from the ambulance company, simply send it to MASA.
How do MASA membership benefits work when I’m away from home?
Your core membership benefits for emergency ground or air transportation are applicable in the United States and Canada. Additional support can be arranged if you experience an emergency that requires hospitalization more than 100 miles from home. This may include transporting a visitor to be with you in the hospital, or transporting you, your pets, minor children or grandchildren, and RVs or vehicles back home. Coordination between your physician and MASA may be necessary to activate some of these benefits.
If you plan to visit worldwide locations, you must provide MASA with your itinerary 10 days before your trip to adjust your global emergency medical transportation coverage area. You can submit your itinerary through your member portal or by email to travel@masaglobal.com.
When should I call MASA?
You should call MASA if you’re hospitalized more than 100 miles away from home, are in stable condition, and need:
- A family member or friend by your side.
- To recuperate in a hospital near your home.
- To be returned home after an emergency while away from home.
- A pet, vehicle, RV, or motorcycle returned home.
- To get your children or grandchildren home.
To request financial support for your emergency ambulance bill, simply upload it [in/via] your MASA member portal at www.masaaccess.com/member or email it to ambulanceclaims@masaglobal.com. Be sure to complete this no later than 180 days from the transport.
Who decides if I can recover at a hospital near my home?
Your attending physician and MASA’s medical director determine when and where you will be transferred to a hospital closer to home. The MASA team will coordinate the transportation.
What happens if I pass away while away from home?
MASA will coordinate and pay for the return of your remains home. For this benefit, MASA will assist the member or member representative through the process and reimburse the flight expense.
How soon can I use my MASA membership?
Your membership protections are immediately available once MASA has received your application, along with payment.
Do my MASA membership benefits work outside of the U.S.?
MASA core protections from out-of-pocket costs for emergency ground or air transportation apply in the U.S. and Canada. Some protections are available only in the United States, while most extend to Mexico and the Caribbean (excluding Cuba) or worldwide. Worldwide locations include any region except Antarctica and those prohibited by U.S. law or under U.S. travel advisories. Please check your membership documents to confirm support areas.
If you plan to visit worldwide locations, you must provide MASA with your itinerary 10 days before your trip to adjust your global emergency medical transportation coverage area. You can submit your itinerary through your member portal or by email to travel@masaglobal.com.
Sources:
1: MASA group business claims data, 2025
2: Bankrate, 2024
3: YouGov, 2024
*Based upon the enactment of certain legal protections regarding surprise medical billing, actual member liability may be less than the provider’s charges.