Air Ambulance Payment Plans: 25% Now, the Balance Over 12 or 24 Months

A bed has been found, the receiving physician has agreed to accept the patient, and the aircraft is available. Then the quote arrives and the family goes quiet. This page is about that moment. Jet Rescue offers a payment plan on its own transports: you pay a quarter of the quoted cost before departure and the remaining three quarters over twelve or twenty-four months at 9% APR. We approve or decline it ourselves, usually the same day you ask.

Three numbers decide everything

Not the flight cost on its own. Families get stuck because they look at one large figure instead of the three that actually matter. The first is the deposit: 25% of the quote, which is what has to exist today. The second is the monthly: what the balance costs each month for a year or two years. The third is the total interest, so you can see exactly what the plan costs you versus paying in full. Once those three are in front of you, the decision usually takes minutes instead of days.

The 25% that moves the aircraft

The deposit is not a fee and it is not held in escrow — it is the first quarter of the transport cost, and it is what releases the aircraft. On a $40,000 transport that is $10,000. It can come from one person or from several: siblings splitting it, a church or community fund, a GoFundMe already in progress, or a partial payment that an insurer has already issued. We do not care how the deposit is assembled, only that it clears before wheels up. If part of it is arriving in two days and the clinical window is today, tell us — that is a conversation, not a rejection.

Worked example: a $40,000 transport

Quote $40,000. Deposit $10,000, paid before departure. Financed balance $30,000 at 9% APR. On the twelve-month plan you pay $2,624 a month and $1,483 in total interest. On the twenty-four-month plan you pay $1,371 a month and $2,893 in total interest. The twenty-four-month plan roughly halves the monthly payment and roughly doubles the interest; most families take it, and a good number of them pay it off early once insurance or family money arrives, which is allowed and costs nothing extra.

Payment schedule by flight cost

A $25,000 transport: $6,250 deposit, $18,750 financed. $1,640 a month over 12 months, or $857 a month over 24 months.

A $40,000 transport: $10,000 deposit, $30,000 financed. $2,624 a month over 12 months, or $1,371 a month over 24 months.

A $60,000 transport: $15,000 deposit, $45,000 financed. $3,935 a month over 12 months, or $2,056 a month over 24 months.

A $75,000 transport: $18,750 deposit, $56,250 financed. $4,919 a month over 12 months, or $2,570 a month over 24 months.

Your own figure comes from the quote, and the quote comes from the route, the aircraft, the clinical configuration and the ground transfers at each end. These are illustrations at 9% APR, not offers.

What approval depends on

One question, really: does the monthly payment fit the income you can document? We run a credit check, and we read it alongside what you earn rather than stopping at a number. Payment plans are available to United States citizens and lawful permanent residents, and the signer is the person taking on the balance — a spouse, an adult son or daughter, a parent. Thin credit files and past medical collections are common among the people who come to us and they are not automatic disqualifiers. A co-signer strengthens a marginal file considerably.

Paperwork, and how little of it there is

The application, your authorisation for the credit check, and evidence of income — two recent pay stubs, or two years of returns if you work for yourself, or an award letter for Social Security, pension or disability income. Photographs of the documents are fine. No notary, no originals, no forms to collect from an employer. We sign electronically and we do not ask for anything twice.

Where a payment plan beats waiting on your insurer

Appeals take weeks. Clinical windows close in days. A payment plan is the only instrument that lets the transport happen on the clinical timeline rather than the insurer timeline, which is why most of our plans are written for families who have an appeal in progress. The transport goes ahead, the appeal keeps running, and if it succeeds the money lands against a balance instead of against a flight that never happened.

If your insurer pays later

Apply it straight to the plan. There is no prepayment penalty and no minimum interest, so a reimbursement that arrives in month three stops the interest from month three. If the reimbursement clears the balance entirely, the plan closes and you owe nothing further. We will also take an insurer payment as the deposit itself where the timing allows it, which spares you from funding a deposit on top of money the plan has already paid out.

Who holds the note

Jet Rescue. The payment plan is written by the company that flies the patient, not sold to a finance partner and not serviced by a third party, and the credit decision is made by people who can also see the clinical file. If you call about a payment three months from now you reach us, not a collections vendor. Jet Rescue has been flying critical care patients since 1994, holds a Florida air ambulance licence, and operates its own aircraft and its own medical crews.

Common questions

Does applying cost anything? No, and there is no fee built into the plan. Can I apply before I have a quote? No — the quote sets the amount, so the quote comes first. Ask for one and the application comes with it. How fast is a decision? Same business day for applications that arrive during working hours. Can the deposit be less than 25%? Ask. The answer depends on the file, and it is sometimes yes. Does a payment plan change the aircraft or the crew? No. How a transport is paid for has nothing to do with how it is flown.

Terms and important disclosures

All payment plans are subject to credit approval. The terms described here — a 25% deposit, 75% of the quoted transport cost financed, a 12-month or 24-month term, 9% annual percentage rate, no prepayment penalty — are the terms currently offered and may change. Available to United States citizens and lawful permanent residents. The payment examples on this page are illustrations calculated at 9% APR and are not offers of credit; the amount financed, the payment, the term and the rate that apply to you are those set out in the agreement you sign, which governs.

MED JETS S.A. de C.V. operates the Mexican-registered aircraft under AOC MTS/2015. Med Jets USA Inc. does not operate aircraft and acts as an indirect air carrier under U.S. DOT Order 83-1-36.