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.
It is absurd that Chase or any bank is allowed to charge fees for overdraft protection. The overdraft protection is a credit line, which functions like a credit card. The annual credit line interest rate at Chase is over 20%. On top of that, the bank gets $10 per transaction--- each time you access the credit line.