So, let's ask this:
Suppose a person on Medicare is critically ill or injured in a field (for the sake of argument, let's call it a bear mauling). The only way to get them to a hospital in reasonable time is by air evac (the hospital is an hour+ away by ambulance, but 10 minutes by chopper), and they won't survive without treatment in 30-45 minutes. But, the only air evac available does not meet the standards NTSB proposes, so it won't be paid for by Medicare.
Now, what do you do, knowing the person does not have the means to pay out of their own pocket? Do they have an expectation of treatment under Medicare, despite the non-comformance (because of the likelihood they'll die otherwise)? Do you hold strictly to the rule conformance and transport them by ambulance with the likelihood of death? Do you expect the air evac or hospital to eat it? Do you bankrupt the person by using the air evac anyway?
The helicopter vendor that cannot meet the requirements to be reimbursed will pretty much cease to exist. Which is ok with me, because the industry has become over-saturated with for-profit vendors that focus on quantity rather than quality of care.
When a medevac is summoned the patient is not asked how they are paying, and usually are not in a condition to be asked or answer the question if asked. If they are, then perhaps they really really DONT necessitate the risks of flying by air. The SOLE reason for calling medevac should be measurable benefit to the patient. Not convenience, Not profit and not kickbacks. The patient wont be bankrupt. you cant get blood from a turnip. And lots of uninsured folks GET flown every day. The for profit guys have a hard time with it. The not for profit guys or govt supported guys incorporate it into their budgets. That $10,000 flight is a paltry compared against $5-10,000 a day trauma/critical care, and people staying days to weeks in ICU.. and sometimes months in the hospital.
Your time numbers are deceptive and the scenario is faulty.
Yea.. it may be a 10 minute flight in your example. But you are going to be on scene for 3-5 mins at least before you summon the helo. It will take them 5-7 mins MINIMUM just to spool up and lift IF weather permits - almost always VFR only. and theres no ILS to a car crash!!. Then flight time to the scene. Then their scene time. .at LEAST another 10 mins usually longer.. if the patient is not packaged properly. Then lift for the inbound leg. And thats IF the helo is coming to you from only 10 mins away.. A vendor many times will send THEIR next closest bird from 20-30 mins away rather than a competitors bird right next door.
So.. we are up to 30-40 mins now ANYWAYS.. just with a medevac.
If the patient is that sick, that helicopter likely wont make the difference. You say survive without treatment?? both the ambulance and the medevac in most of the US tend to have all of the same lifesaving equipment in them needed in the initial hour or so of your garden variety resuscitation. That equipment and knowledge is used during transport - i.e. treatment.
If you are referring to victims of the knife and gun club who need to have their chest cut open, aorta clamped and emergency lifesaving surgery to the heart performed.. well.. those folks are dead beyond recovery in your scenario.. Those folks only tend to survive if they live within 10-15 miles of the trauma center and lose their vital signs enroute to the trauma suites.. and have an aggressive trauma surgeon waiting on them when they arrive, ready to cut. That person would be unsalvegeable by the time the helo got TO the scene.
I ran EMS in the burbs of the 4th largest city in the US. Served at one time by a non-profit medevac provider. We had a beltway loop that was 15-20 miles out from downtown. Pretty much any major scene inside that radius we could scoop and go, treat enroute and be in the trauma suites before they could lift, fly out, load and return. I proved it time and time again. I'd leave from a large multipatient scene with the "less urgent" patient as directed by incident commant and have mine in the trauma bay before the "critical one" got there by air.