PHI Cares
General Terms and Conditions

As used herein, the terms “you,” “your,” and “Member” and “Members” shall mean any members enrolled in the PHI Cares program; the terms “our,” “we,” “us,” and “PHI” shall mean PHI Health, LLC; the term “PHI Cares program” shall mean the PHI Cares membership program operated by PHI; and the term “Terms and Conditions” shall mean the PHI Cares program Terms and Conditions.

PHI Cares is a membership program operated by PHI Health, LLC, which covers the uninsured or otherwise uncovered portion of the flight charges that may be incurred by members who are transported on a PHI medically configured aircraft as set forth herein. Membership benefits are valid five (5) days after your completed application and nonrefundable payment have been received and processed by the PHI Cares Membership Department. These Terms and Conditions also apply to renewing memberships, provided that payment of the annual membership fee is received within thirty (30) days of the renewal date.

Memberships are available in one-, three-, and five-year term options, except in California or where prohibited by state law. A standard household membership covers all dependents who reside at the same registered legal address and up to three non-family members who reside at the same legal residence of the primary household Member. The primary household Member is the individual who purchases the membership and will be used by the PHI Cares program as the primary contact to communicate with any other household Members.

Members are charged a non-refundable membership fee payable in advance.

A Member who receives a medically necessary transport through the PHI Cares program is relieved from paying any charges related to their PHI medical transport other than amounts paid or reimbursed to the Member by any available healthcare insurance, a third-party payor, or a third-party who may be legally responsible for the charges. In other words, PHI Cares accepts what your insurance or other third-party source of payment pays as "payment-in-full," relieving you of any other charges for the air medical transport.

PHI will bill your healthcare insurer or other third-party payor (for example, Medicare), or seek recovery from any legally liable third party (for example, a car accident which causes you injury as a result of someone else’s fault or negligence) for the air medical transport. Should you receive payment directly from your healthcare insurer, other third-party payor, or from a legally liable third party for all or any portion of the charges for the air medical transport, you agree to promptly remit such payment to PHI. If any third party or his/her insurer who is legally liable pays for the air transport charges either through settlement of a claim or a judgment from a lawsuit, you agree to promptly remit the amount received by you for air transport charges included in such settlement or judgment.

Uninsured Members who have no healthcare insurance coverage and no other third-party payor to cover air medical transport charges will be relieved by PHI from any patient transport charges for medically necessary air transport services on a PHI aircraft.
PHI Cares Members are responsible for and agree to pay for any charges that are not covered by the PHI Cares program, including but not limited to air transport pick-ups outside of the PHI Cares service area or any ground ambulance transportation services that Members may incur in connection with any PHI air medical transport.

Eligibility & Availability
Medicaid participants are not eligible for membership in the PHI Cares program.

Please note that a PHI aircraft may not be available at the time a flight request is made for reasons such as inclement weather; the PHI aircraft is already in service at the time of the request; the PHI aircraft is undergoing maintenance or repairs; weight limitations of the PHI aircraft; or other reasons that make the PHI aircraft unavailable to respond to a request. Further, if medical or dispatch personnel call another air ambulance provider to respond to your event, your PHI Cares membership will not cover the medical transport provided by another air medical transport provider.

Passenger weights and other operating restrictions may limit our ability to transport a Member. PHI, in consultation with other healthcare providers or dispatch agencies, reserves the right to determine whether air medical transport is medically necessary, safe, and appropriate under the circumstances.

The PHI Cares program is not an insurance product. PHI Cares does not cover and will not pay or reimburse you for services performed by any other air medical transport provider or any ground ambulance service provider. Notwithstanding the foregoing, in addition to covering medically necessary transports on PHI aircraft, your membership will also cover medically necessary transports on PHI’s cooperative service partners’ aircraft if such transports occur within PHI’s service areas. Please visit our website at or contact our Membership Department to obtain more information on our current air ambulance membership partners and our current service areas. Any medical transports on a PHI Cares partner aircraft shall be subject to the same Terms and Conditions stated herein.

Service Area
Membership provides household national coverage for medically necessary air transports on PHI medically configured aircraft to the closest appropriate facility within approximately 200 nautical miles for a rotor wing (helicopter) and 600 nautical miles for a fixed wing (airplane). The point of pickup must be within a PHI Cares service area. For a list of service areas, please see the coverage map on the PHI Cares website: or contact the Membership Department directly.

Notifying PHI Cares Membership Department of Transport
You should inform the healthcare provider, dispatcher, or emergency personnel of your PHI Cares membership at the time an air medical transport is requested, as these personnel will not be aware of your PHI Cares membership. In addition, it is the responsibility of each Member to contact us if a registered and eligible household dependent has been flown by PHI. Please call the PHI Cares Membership Department at: 1.888.435.9744 (1.888. I Fly PHI), Monday-Friday, 0800 to 1600 Hours MST.

Termination and Renewal of Coverage
PHI may terminate your membership for failure to comply with the Terms and Conditions of the PHI Cares membership program. PHI reserves the right to discontinue its PHI Cares program at any time upon notice to members. In such event, PHI shall return a pro rata portion of the membership fee. PHI also reserves the right to unilaterally modify the Terms and Conditions, including but not limited to the membership fee to be charged to Members who join or renew their membership after the effective date of such change. It is your responsibility to renew your membership prior to the expiration of the one-year term. A completed renewal application and nonrefundable payment must be received within thirty (30) days of the renewal date. If you do not renew your membership, your membership and coverage thereunder will automatically terminate at the end of the one-year term. Renewals may include changes in coverage and Terms and Conditions.

CA Residents Only:

Notices Required by the Department of Managed Health Care

  1. Before You Purchase:If you have existing health insurance or are enrolled in an HMO, the benefits provided by an Ambulance Plan may overlap with your current coverage. Contact your insurance provider directly to inquire about ambulance service benefits.
  2. Warning: The Ambulance Plan is not an insurance program and will not reimburse other ambulance companies in certain circumstances, such as when another company is determined to provide faster service or when the plan is unable to respond promptly due to operational issues.
  3. Complaints: For complaints or questions about the Ambulance Plan, contact PHI Cares* at 1.888.IFLYPHI (1.888.435.9744) first. If the issue remains unresolved, you can reach out to the Department of Managed Health Care at 1-800-400-0815 or visit their website at for complaint forms and instructions.
  4. Conditional Exemption: The Ambulance Plan operates under a conditional exemption from the Knox-Keene Health Care Service Plan Act of 1975 (Health and Safety Code section 1340 et seq.).

You acknowledge that all information included in your completed application is correct to the best of your knowledge, including all health insurance information.

By approving and submitting your application for PHI Cares membership, you agree to all of the Terms and Conditions set forth herein.

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