My DH called an ambulance a few weeks ago - he said that he wouldn’t be able to sit in the seat of the car to be driven because he was in so much pain. He could have laid down in the back seat - but it was his call to make.
Fortunately we have OK insurance which should cover the cost of the ambo. But as we have never called one before ... I guess I’ll have to wait and see.
In my town there is a fixed $500 medical transport fee. What care you receive enroute doesn’t change the fee. Insurance might or might not cover it. Medicare does, I know that.