I'm the one who works for a medical TPA. LWC asked if air ambulance is covered by insurance. Most of our plans do cover air ambulance, but there is often a decent size copay before getting in to deductible (all our plans are PPO -- we are not an HMO). Huh, just checked my own coverage and it's actually 75% after deductible w/no copay. I do know that bills for air transport are generally HUGE! If I were out in the middle of nowhere, $100 might be worth it. I'm less than 10 minutes by car from my hospital of choice, so I don't think I would do it.
