How does a subscription benefit me? Even when you have insurance it does not usually cover 100% of the cost of transportation to a hospital following an emergency. After any co-payments or deductibles are met insurance pays a portion of that fee. The amount that is left can be substantial and the patient is personally responsible to pay that balance.A subscription is meant to limit your out-of-pocket expenses. The remaining portion of your bill, after any co-payments or deductibles are paid and insurance pays its portion, is covered by your First Aid and Safety Patrol subscription. You pay nothing out-of-pocket.