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.
The highest overdraft fee in the survey is $37, charged by Fifth Third and RBS Citizens. Big banks that do not permit consumers to trigger overdraft fees when using debit cards at the point of sale include BofA, Citi, and HSBC. Citi and HSBC also deny overdrafts for no fee at the ATM.