VOLUNTEER EMS
INSURANCE
EMS volunteers serving in rural areas may be eligible for insurance benefits for themselves and their family members through a partnership of local agencies, the Utah Association of Counties, PEHP, and the State of Utah.​
​
Open enrollment for 2025 is April 15 to May 15 for coverage effective July 1, 2025. Please ensure you are eligible by reading the information below before applying.
​
Who’s Eligible?
To be eligible, you must meet the following 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.
​
*AFFORDABILITY 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):​
​
2024-2025
Insurance Type | Health | Dental |
|---|---|---|
Family | $351.30 | $17.75 |
Double | $273.37 | $12.56 |
Single | $145.21 | $9.85 |
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.
Monthly Cost of Plans
Monthly cost for the 2024-2025 plan year:
​
MEDICAL PLAN
-
Volunteer: $0
-
Double: $92.52
-
Family: $182.39
​
​
DENTAL PLAN
-
Volunteer: $0
-
Double: $4.52
-
Family: $13.17
Monthly cost for the 2025-2026 plan year:
​
MEDICAL PLAN
-
Volunteer: $0
-
Double: $98.26
-
Family: $193.70
​
​
DENTAL PLAN
-
Volunteer: $0
-
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.
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.
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 ems@utahcounties.org to terminate your coverage.
​​
Qualified Rural Agencies
These are the agencies for which you must volunteer or be an unbenefited part-time employee in order to be eligible for this coverage. In order to be a qualified 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
Questions?
View Q&A slides from UAC, PEHP, and the Bureau of EMS here. You can always reach out to UAC for help at (801) 265-1331 or ems@utahcounties.org.