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A: You think we should call the ambulance? B: Nah, I didn't even touch it, and it's probably nothing anyway.
"Refused medical treatment"
B: Nah, I cannot afford medical care. I'm only covered if my life is clearly in danger.
Putting it like that, yeah, sounds about right.
For the record, you can always call an ambulance for people.
Even without their consent. And even in the us, there won’t be a cost incurred until they accept treatment (which is why you wind up with absurdly expensive bandaids.)
So if you think somebody might need some help, it’s better to call than not- this is particularly true if you may have some liability.
Also, every state has some version of a law that requires calling for aid (that is satisfied by reporting to 911). They’re typically referred to as Good Samaritan laws.
(If they refuse treatment to professionals, that’s their business, you’re clear of further liability; if the ambulance wants to insist they can either call cops and force the matter; or wait till they go unconscious and exploit implied consent.)