Having responded as a volunteer firefighter/emergency medical provider (you have volunteered, right?), I can say that in the USA, it is a 911 caller working with an EMS dispatcher that determines the alacrity of an ambulance response. Presumably the dispatcher uses a tool such as the one described in TFA, but the caller is the one describing the situation. Insurance has absolutely nothing to do with the situation. If your condition is immediately life threatening you will be treated (even without your consent if you are unconscious).
I know that everyone wants to say that the US system of emergency medicine is broken, but it isn't. I imagine that you will be billed an unknowable quantity at some time in the future, but that is after you have survived what might have been a deadly situation.