This family membership covers the cost of ambulance transport from within Sierra's service area to any area hospital in Madera, Fresno or Mariposa County. It is immediately renewable. Why should you join if you have insurance? Simply, many insurance plans have a deductible, a co-pay, or a maximum benefit well below the actual cost of service. Likewise, many insurers look backward after the fact and determine whether or not the ambulance was justified. Your claim could be denied.