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.
In the event your balance falls below zero for any reason, your overdraft line of credit will kick in to cover any charges or checks. Flagstar Bank charges a $10 fee each time the overdraft line of credit is used. If you use your overdraft line of credit, you will pay interest only on the amount you borrow.