Ambulance Membership and Billing

Your Insurance May Not Cover All Emergency Medical Ambulance Costs.

AF&R is the emergency ambulance membership program of our fire department. Being a member protects you and your family from the high cost of ground emergency medical transport. This membership program is an incredible value.

Your medical insurance may not cover all your expenses and without AF&R you might find yourself paying up to $2500 for emergency ground service. With an AF&R membership, all of your deductibles, copays and any other out of pocket costs are covered, for emergent transports, even if you have no insurance. You don’t have to worry!

AF&R Members Are Totally Covered. One small fee. One full year. Your whole family.

For ground transport coverage if you reside in Ashland or Talent, AF&R ambulance membership is required. 

AF&R Basic: Emergency Ground Ambulance Services $55/yr

Membership Benefits Include: 

  • Emergency prehospital, medical treatment and transportation.
  • Emergency paramedic rescue.
  • Emergency ambulance transportation to all local hospitals.
  • Automatic insurance billing service.

Updated Benefit Structure as of Feb. 1, 2026

  • Members will receive one medically necessary ambulance transport per year at no cost.
  • Any additional medically necessary transports within the same year will be discounted by 50%.
  • After insurance is billed, members will be responsible for the remaining 50% of the charges for those subsequent transports.


To add AIR ONLY transport coverage, contact Mercy Flights

Membership – Mercy Flights | Nonprofit Air and Ground Ambulance Services

For ground transport coverage if you reside in Ashland or Talent, AF&R Basic ambulance membership is required.