Frequently
Asked Questions
What is FireMed?
FireMed is a voluntary ambulance membership program of Albany Fire Department.
FireMed covers the member's out-of-pocket expenses for medically necessary ground ambulance services provided by Albany Fire Department or other ambulance providers included in our reciprocal coverage area. You are covered in most of Oregon.
Why do I need FireMed?
Most health insurance policies cover only a percentage of ambulance charges--leaving you to pay the difference. In these cases, FireMed fills the gap. Even if you do not have insurance, FireMed will cover you for medically necessary ambulance treatment and transportation in most of Oregon. Additionally, FireMed helps support the emergency medical services of our fire departments and districts.
How does FireMed work?
Should a member require ambulance treatment or transportation, the ambulance service will bill the member's insurance coverage (if any) and accept that reimbursement as payment-in-full. Members will not receive a bill for any amounts not covered by their insurance. FireMed is not insurance. It is in addition to any medical benefits a member may have.
Why does the ambulance service bill my insurance?
The total cost of operating ambulance services on behalf of members is far greater than the annual membership fee. Billing the insurance of those who use the ambulance keeps your annual membership fee affordable for everyone.
Do I have to have insurance to join?
Membership is open to anyone in our service area, regardless of their insurance coverage. If you do not have any benefits covering ambulance care, then your membership covers the full amount of the ambulance charges
Who is eligible to join FireMed?
Membership is open to residents in the Albany ambulance service areas. Even if you live outside these areas, there is probably a FireMed program where you live. (If you are in doubt as to whether you live in this area, please call.)
Who is covered under my membership?
All permanent residents living at your address, including persons living together as a family unit. Please inform us whenever you have changes to your household account during the year. (Please see the FireMed terms of agreement for full membership details.)
What is reciprocal coverage?
FireMed has agreements with over 70 other agencies that offer ambulance membership programs where we each agree to cover each other's members. Under this agreement, the agency that provides the ambulance services will agree to treat our member as if they were their own member. The agency providing services will extend the same benefits to our member that they would give to their own members.
Can I enroll outside of June?
Every year in May and June, FireMed holds its annual membership drive. Those who join during this period receive maximum benefit--a full year of membership protection. If you miss open enrollment, for whatever reason, you are still welcome to enroll. FireMed membership is still $50. But remember -- coverage begins upon the receipt of your paid application and extends until June 30 of the following year.
If I join FireMed, can I cancel my medical insurance?
FireMed membership only covers ambulance care and transportation provided by Albany Fire Department and other participating ambulance providers. FireMed does NOT cover any other health care services or hospitalization. If you have insurance you should maintain your benefits to cover your doctor, hospital, pharmacy and other medical bills. Local paramedics will still provide you and your entire household with excellent ambulance service. But, if you do not participate in the voluntary membership program, you will be responsible for the full cost of your ambulance bill.
What if I decide not to join?
We will still provide you and your household with excellent emergency service, but you will be responsible for the full cost of your ambulance bill. That could be as high as $1,600.
