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I keep seeing HAA operators selling insurance coverage for helicopter transport. How is this still a thing after the 'No Surprises Act' was signed in? 

From an outside perspective this seems like a predatory business model that provides only the illusion of a benefit. As a patient, you don't decide which operator arrives on scene. Also, you may be traveling and be in a region where that operator has no bases. Plus, now that health insurance companies and the medical provider are obligated to settle the balance directly with each other, how is there any benefit to paying PHI, Metro, etc for coverage?

I'm not in the HAA sector, so maybe I'm missing something? Anybody involved with this care to explain?