With the caveat that insurance policies can have additional riders or qualifiers, in general, insurance will pay for medically necessary transfers and subsequent transport via ambulance. A physician needs to certify first that the facility to facility transfer was indicated and medically necessary. Physicians need to certify that the patient requires a specialist/subspecialist, diagnostic test, treatment, or some combination of the aforementioned, not available at the first hospital. So if the hospital in CT did not have a pediatric gastroenterologist and the transferring physician believed that JP needed that then transfer to the nearest facility with such sub specialist would be necessary and medically indicated. Providing that this physician sufficiently stabilized JP to the best of his/her abilities in the context of his/her hospital resources and had spoken with a physician at the receiving facility who accepted JP the transfer would be deemed appropriate as well. Failure to do any of the above merits a COBRA violation and the sanctions for for physicians and hospitals are significant so physicians and administrators are not usually cavalier about this.
Now, if there was a pediatric gastroenterologist at the CT hospital but the P family requested that JP be sent to see Dr. Flores at BCH then the physician should write that the transfer was at patient or family request on the transfer/COBRA form. They still must stabilize JP before transfer and have an accepting physician at BCH. In many cases insurance may disallow ambulance costs for patient request transfers but this is somewhat company/policy/network dependent. Ultimately patients/families have the right to request transfer to a new facility but need to be aware that they may need to cover the cost of transfer. They also need to recognize that there are always risks associated with transfer (including the potential for a MVC or helicopter crash) and that if patient condition deteriorates en route the options for stabilization in the back of a critical care ambulance or in the air may be less than in an established hospital. Weather conditions can be a very relevant part of the discussion. Where I practice it often isn't safe to fly and we've had a few blizzards over the years where all involved have agreed that transport even by ground would be unsafe. In those situations sometimes it is actually safer to admit a child locally even if the facility lacks some resources and initiate treatment with good communication with the tertiary facility. In some cases kids will respond well and transfer will not be needed. I've had this experience in a few cases and the parents were overjoyed. In other cases, we've managed to buy them enough time to fly them out when the weather cooperates.
**Given that JP was transferred from the ED at her local hospital to the ED at BCH it is very likely that the accepting physician was indeed the physician they saw in the ED (or perhaps one of his/her colleagues if his/her shift ended between when they accepted JP and when she actually arrived). ED to ED transfers just require an accepting physician. Inpatient Hospital A to Inpatient Hospital B transfers require an accepting physician and an available bed and can be more difficult to arrange when beds are tight because in reality if BCH (or any other tertiary children's hospital) doesn't have a bed they don't have a bed and you can't transfer.**
Gee, if I ask you the time will you build me a watch? j/k
I don't believe it was a hospital to hospital transfer. The family lived in CT and BCH is in Boston, MA. Tufts is in MA. But several news articles mention the ambulance ride was several hours and was between CT and BCH. Surely if her choking was a medical emergency, her Tufts doc would have told her parents to call 911 and go to the nearest ER rather than spend hours in a blizzard?