The Centers for Medicare & Medicaid Services (CMS) is implementing a prior authorization model for repetitive scheduled non-emergent ambulance transports to test whether prior authorization helps reduce expenditures, while maintaining or improving access to and quality of care.
You can also have the bank cover your transaction for a fee, called an overdraft penalty. Most banks charge between $35 and $38 per overdraft, which is the most expensive service banks offer, according to an analysis by The Pew Charitable Trusts of basic checking accounts at the 50 largest banks in the U.S.
My bank will only charge an overdraft fee if a check or an ACh (Automatic Chearing House Item ) comes in and makes the account negative. They do not charge an overdraft for checkcard purchases. You should check with your bank to see what their rules are and to ask if they charge for debit overages.