As nice as a person I've witnessed you being here on the DIS over the years I can't believe you put Marie through that!! If you had died enroute what do you think Marie and your children would have felt? My guess is guilt and regret for not calling the professionals! I'm sure you're son has told you ALL the things the medics could have done for you in those 15 minutes of drive time! Not to mention he may feel you don't respect his chosen profession.

Lets review a typical cardiac scene
1. Gather info, take vitals
2. Oxygen
3. Administer aspirin
4. 3 Lead
5. Nitro spray
6. 12 Lead, interpret, fax to closest ER, call closest ER, decide what hospital to transport to such as a hospital that specializes in cardiac rather than trauma or burn
7. IV, blood draw
8. Vitals, rate pain
9. Nitro spray
10 Vitals, rate pain
11. Nitro
12. Vitals, rate pain
13. Morphine
Not to mention you're strapped onto a cot with a trained driver and here at least, if you're wife was emotional at all we'd have asked if she wanted to ride with us in the front of the ambulance. All that for $1098 if your hospital was 15 miles away (based on your 15 minutes of drive time)

I would soooo love to see this itemized bill. Here our average for a local call to the closest hospital (15 miles away) is $1100. We all have the choice to buy our supplies and drugs where we need so those prices should be similiar.
I'd love to know EXACTLY what insurance companies don't pay ambulance bills!!!! In several years of billing I've not come across this. Now if the individual or employer chooses to drop the ambulance portion of their coverage or lower it then that is the individuals problem. As long as the provider files on the revised 1500 form and lists all the info needed they ALL pay.
And there are some things that they can do at the scene that requires transport. If we have a diabetic we can treat and sign off with the ER Dr's permission at the patients request. But if we had to use the IO (bone drill)

then we are required to transport.
Sorry about your cousin but w/o knowing the exact cause of death you aren't being fair. Patients pass away.....and they pass away not only in ambulances but also hospitals, homes, in the public..... Medics can't perform miracles, they can only do what they've been trained to do with the equipment and time they have before they arrive at the ER.