Dad, Does Insurance Cover an Ambulance

I didn’t recognize the number and almost didn’t answer. “Hello.”

It was my third son, Todd, who has an adventurous spirit.  “Hey, Dad. Whatchu up to?”

“Just watching a soccer game on TV. I thought you were in San Antonio playing in the college club soccer tournament this weekend?”

“Yeah, I am.”

“Y’all doing alright?”

“Yes sir. Won the first one, lost the second, and tied right now.”

Todd pressed on. “Hey, does insurance cover ambulance rides?”

“Yeah. Why do you ask?”

“I was talking to some guys and I didn’t know.”

“Yeah, any time there’s an accident, it’s covered.” I was getting confused. “Where are you?”

“I’m at our game.”

“Are you finished, or about to start?,”

“No, the game’s going on now.”

“Well Todd, why aren’t you playing?”

“I was, but I was making a steal and slid to clear the ball out of bounds.  The guy from the other team fell on me and when he did, there was a loud pop in my neck.”

“Oh man!! Are you hurt?  Need to go to the doctor?”

Todd matter of factly said, “These guys think I do.”

“What guys?”

“The paramedics.”

“The paramedics?!  Where are you?”RabBits 27

“I’m out on the field. I called from one of their phones.”

“What?! You’re on the field?”

“Well, the sideline really.”

“So, you’re on the sideline while the game’s going on?”

“No. They stopped the game until the paramedics decide what to do.”

“Wait!! Your neck popped, you’re on the field, the game’s stopped, and there’s paramedics with you??!!”

This wasn’t Todd’s first rodeo.  I once rushed home in the middle of day when he was 9 or 10 years old to get his foot unstuck from between the chain and sprocket on his bike.

In high school, he once passed out at the end of a soccer game during a heatwave and had to go to the E.R. for I.V. bags to be rehydrated.  He just never stopped.

I was watching him play soccer several years later as the only non-Hispanic in a Hispanic men’s league where he was fondly called “Gringo”.  Todd was about to score his 6th goal of the game and was fouled from behind in a vicious red card foul.  He struggled to get up.  I knew instantly he would be having surgery of some sort because he ultimately stayed down instead of getting up.

He bought a $500 dollar farm use Jeep in college for the sole purpose of intentionally getting it stuck, run into things and try to rock climb in it…just to see what would happen.

Wild, feral hogs are out of control around here and multiply like rats.  In the not so distant past he ran off the road at 60 miles per hour in his pickup trying to hit a dozen feral hogs on the side of the road with his large cattle grill and bumper.  His logic? His friend riding with him said, “Look! You ought to hit those hogs!!”  So, he did.

During a hurricane, Todd let his brothers tie ropes to a blue vinyl tarp and the other ends to a life vest thinking hurricane force winds would allow him to go airborne, like the reverse side of parachuting.  He went airborne for a second only to be drug over and over by the winds across an acre of land.  Here’s that story.

Does Insurance Cover an Ambulance Ride

He once decided, off the cuff, to wrestle an alligator simply because his big brother suggested it.  He jumped out of a boat on an 8-foot alligator, at night, trying to “catch” it.  The whole story is here.

So, after all those experiences with Todd, now he’s casually telling me, like we’re sitting on a riverbank fishing, that he may have a broken neck.

“The paramedic’s telling me I need to go to the Emergency Room because my legs are numb, but I wanted to make sure insurance covered an ambulance ride. What do you think?”

“Todd, go with them to the ER!  It doesn’t matter what it costs! Go!!  I’ll grab some clothes and start that way.  I can be there in 5 hours.”

“Well, don’t start yet.  I couldn’t move at first, but now I can kinda feel my legs.  I think it’s just a stinger.”

I took a deep breath, spoke slowly and clearly.  “Todd, go to the ER, now.  Don’t worry about anything else. Go. With. The. Paramedics!”

“Alrightee. I’ll do that. But don’t come yet. Let me see what the doctor says and I’ll let you know. And don’t tell anyone anything, I don’t want anyone to worry.”

My bags were packed and for the next two hours we talked off and on.  The X-rays were fine, but he had a severely sprained neck.  The ER doctor was a D.O., so after the X-rays came back negative, he reached over without Todd knowing what he was going to do and popped his neck.

Todd said there was instant relief. Within seconds, his feeling was restored.

The neck ligaments and tendons, however, took a couple of months to heal, and Todd was a miserable puppy for a couple of weeks after he sprained his neck.

Ah, the experiences of having adventurous children!

Todd and his wife, Kolby, now have their first child. I can’t wait to see how things develop for them with Little Bit!

They’re great parents, by the way!

And you know, the roles are reversing with Todd.

If Addie K. is anything like her daddy, then honestly, I can’t wait to see how Todd responds in his father role for the next twenty years!!

It’s gonna be fun!  🙂

Is An Ambulance Ride Covered by Insurance


32 thoughts on “Dad, Does Insurance Cover an Ambulance”

  1. Another entertaining story! Do you know what you need on your site? A Pinterest option. Either a Pinterest sharing icon at the bottom so we can pin your pretty quote pictures and funny stories or a pin it plug-in that places a pin-it hover button on each image. Just a reader suggestion.

    Liked by 1 person

  2. So, don’t you just love those innocent lead-ins that seem to indicate all is well until they kinda lead you into why they really called! After a while your ears become finely tuned to “key” words that set off the bells ringing. I’m almost certain that three or four of ours took a course on this, it can’t be sheer coincidence! Really enjoyed your story (cause it happened to you), for some reason I can see the humour in it better when it’s happening to others. Seriously thinking of submitting your name into Rome for sainthood! Grace and blessings my friend.

    Liked by 1 person

    1. I think it’s probably always been that way to one extent or another, Bruce!! And I know exactly what you mean about the bells are set off ringing at certain words, key phrases, tone of voice….even sometime what’s obviously not mentioned. Peace to you, Bruce!!

      Liked by 1 person

  3. Oh my goodness – Todd stories NEVER disappoint 🙂 He’s a hoot! Glad everything worked itself out. And I think he’ll be the dad that is akin to the knight in that Monty Python movie – he’ll be telling his kids “tis but a scratch – you’re good!” with two thumbs up 🙂

    Liked by 1 person

  4. There is no way I couldn’t come on and read this! I am not sure what is up with my iphone, but I can’t LIKE or comment on anything. I made a mental note to come back and read this when I was in my office on my computer and you had me laughing and crying. I think you should write a book about being a dad with that winnie the pooh quote as the title! YOU my friend are SUPER Dad surviving all the phone calls! Love your writing! When you write that book, please also do an audio version. I listen to my favs in my car! xoxoxoxox I truly believe this is a book!!!!!

    Liked by 2 people

    1. Diane! Thank you so much for the kind words and encouragement! Truly means the world to me!!!

      And, by the way, I have the same problem with my phone at times and have to log back into WordPress, but I don’t know why….🤔


  5. We recently had an ER trip with our youngest. He tries to jump up on the couch, holding a sharpened pencil. He lost his balance, and I guess his hand tried to break his fall, and he landed with that pencil right kn his ear! I will never forget that scares, shaky tone in his voice as he called for me. God protected him, so thankful He’s watching over him!! He’s healing fine, barely caught his ear drum.
    We should pray for each others sons! 😉

    Liked by 1 person

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