Many rural fire departments that are already strapped for volunteers and other services want to be able to bill insurance companies for emergency medical calls. The cost of EMS calls in some rural areas is falling on the taxpayers. Richmond Fire Chief Rick Frost said his volunteer fire district in Honeoye lost one of its three ambulances because of fewer volunteers and funding. The cutback is not saving the company any money because the ambulance trips are paid for by the district not insurance companies. “New York State does not allow us to bill if the ambulance is owned by a fire district,” he said. Instead, Frost said taxpayers are footing the bill.