EMS VOLUNTEERS SERVING IN RURAL AREAS MAY BE ELIGIBLE FOR INSURANCE BENEFITS
ELIGIBILITY REQUIREMENTS
- Be licensed as an EMT, AEMT, or Paramedic
- Be a resident of Utah
- Provide EMS services as a volunteer/part-time unbenefited employee for a qualified rural agency
- Respond to 20% of calls over a rolling 12-month period
- For Medical and Dental insurance, not have affordable* coverage available through an employer or a spouse’s or parent's employer, and not have coverage through or a government plan or program, such as Medicare, Medicaid, or the VA
- If individuals are covered under another insurance plan, they must cancel their current plan upon receiving coverage under PEHP's Volunteer EMS Insurance. This plan does not allow for double coverage.
What happens if I lose eligibility?
If you no longer meet all of the eligibility requirements, your EMS coverage will end on the last day of the month in which any one of the conditions for eligibility no longer applies.
Please contact us to terminate your coverage:
ems@utahcounties.orgAFFORDABILITY SCALE
If the monthly premium cost of coverage available from another source exceeds the following amounts, you may be eligible to participate (this is not program cost—that can be found below):
2025 - 2026
Insurance Type
Health
Dental
Family
$373.08
$17.75
Double
$290.64
$12.56
Single
$154.22
$9.85
Coverage is provided through PEHP and offers:
- Comprehensive medical coverage with access to all rural hospitals and a choice of different hospital networks along the Wasatch Front.
- Dental coverage that includes preventive and basic services, major dental services, and orthodontics.
- No-cost $50,000 life insurance and $50,000 AD&D for volunteers, $10,000 life insurance for spouse and dependents.
- No-cost Long-Term-Disability benefit that pays $1,000 monthly for disability due to accidental injury, disease, or illness arising from your volunteer service (pursuant to Utah Code 49-21-102, URS post retirees are NOT eligible for this benefit, although they are eligible for the others).
More coverage information can be found in the Benefits Summary below:
Benefits SummaryMONTHLY COST
Monthly cost for the 2025-2026 plan year:
Medical
- Volunteer: $0.00
- Double: $98.26
- Family: $193.70
Dental
- Volunteer: $0.00
- Double: $4.52
- Family: $13.17
How Can I Enroll?
Open Enrollment
Open enrollment for 2025 is April 15 to May 15 for coverage effective July 1, 2025. Individuals may enroll outside of open enrollment if they have an eligibility status change as explained below.
New or Eligibility Status Change
New EMS volunteers or existing EMS volunteers who have experienced a qualifying eligibility status change such as receiving their license, newly meeting the 20% response requirement, or starting work with a qualified rural agency; or marriage, birth, divorce, or death; or loss of other insurance can enroll within 30 days by submitting the Enrollment Form. If your status has changed, you may still enroll outside of open enrollment. Please contact us for the form or for more information.
More Information
You may contact the Utah Association of Counties at
(801) 265-1331 or email ems@utahcounties.org. A benefits summary with information about coverage can be found below.
(801) 265-1331 or email ems@utahcounties.org. A benefits summary with information about coverage can be found below.
This program was created by the Utah State Legislature and is described under Utah Code 53-2d-703.
Benefits SummaryQUALIFIED RURAL AGENCIES
In order to be considered a qualified rural agency, agencies must be licensed/designated EMS providers, meet rural requirements, and be government agencies.
- Apple Valley Fire Department
- Beaver Ambulance
- Box Elder County Ambulance
- Brigham City Ambulance
- Cache County Fire District
- Cache County Search & Rescue
- Carbon County Ambulance
- Cedar Mountain Fire Protection District
- Central Box Elder Special Service Fire District
- Clarkston Fire & Rescue
- Corrine Fire Department
- Curlew Ambulance Service
- Daggett County EMS
- Dammeron Valley Fire & Rescue
- Deseret Generation & Transmission
- East Carbon City Sunnyside Ambulance
- Elk Ridge City Fire Department
- Emery County EMS
- Enterprise Ambulance Service
- Fielding First Responders
- Garfield County EMS
- Garland Fire Department
- Grand County EMS Special Service District
- Grantsville Fire Department
- Gunnison Valley Hospital Special Service Ambulance
- Helper Fire
- Hildale City Fire Department
- Hurricane Valley Fire Special Services District
- Hyrum First Responder
- Juab County EMS
- Kane County Ambulance
- Lewiston First Responders
- Logan City Fire Department
- Mantua Fire Department
- Mendon Fire Department
- Milford Ambulance
- Millard County Ambulance
- Morgan County Ambulance
- Mountain Green Fire Protection
- Newton First Responders
- Nibley Emergency Medical Services
- North Davis Fire District
- North Fork Fire Department
- North Sanpete Ambulance
- North Summit Fire District
- North Tooele Fire District
- North View Fire District
- Paradise First Responders
- Park City Fire District
- Perry City First Responders
- Piute County Ambulance
- Plain City Fire Department
- Plymouth Fire Department
- Rich County Ambulance
- Riverdale Fire Services
- Rocky Ridge EMS
- San Juan EMS Services
- Santa-Clara Ivins Fire & Rescue
- Scipio Ambulance
- Sevier County Ambulance
- Smithfield Fire Department
- South Davis Metro Fire Agency
- South Weber City Fire Department
- St. George City Fire Department
- Stockton City Fire Department
- Thatcher-Penrose Fire Department
- Tooele City Fire Department
- Tremonton Fire & EMS
- Trenton Town Fire & Rescue
- Uintah Fire Suppression Special Service District
- Utah County Sheriff Search & Rescue Service
- Utah Navajo Health System
- Ute Tribe Ambulance Service
- Wasatch County Fire Protection Special Service District
- Washington County Fire Department
- Washington County Sheriff's Office Search & Rescue
- Washington Terrace Fire Department
- Wayne County Ambulance
- Weber Fire District
- Wellsville First Responders
- Willard City Fire Department
Interested in Connecting?
Fill out this form to help us connect you with an agency:
MORE INFO
View Q&A slides from UAC, PEHP, and the Bureau of EMS here:
View Q&A SlidesLearn more about why this program matters:
If you have any questions, feel free to contact us at:
ems@utahcounties.org