Your best bet is to read the Medicare manual and see exactly what codes are accepted and what level of care is given. Chapter 10 is the best to read. I do ambulance billing but the really difference is that we do not use CPT codes or exact diagnosis codes. Ambulance is considered ground transport and does fall under a different category (we are neither in or out of network) but it's basically the same.

Most insurances based their allowed amount off the Medicare Fee Schedule.