Non-Emergency Medical Transportation (NEMT) insurance covers the vehicles, drivers and patient-handling exposures of medical transportation providers. What you are required to carry is set by your state program, the managed-care organization or broker you contract with, and the contract itself — not by a single national rule. We read your contract requirements and build the program and certificates against them.
NEMT providers, wheelchair van operators, ambulette services, and companies contracted to provide non-emergency medical transportation for state Medicaid programs, managed-care plans, health systems or private-pay passengers.
Underwriters price NEMT by what happens during the trip, not just by vehicle count. Use this table to see how each operation type is usually viewed and which documents are normally requested. Limits are set by your state program and contract, so none of these are universal requirements.
| Operation type | Primary risk focus | Documents usually requested |
|---|---|---|
| Ambulatory passenger | Auto liability, driver records, high stop counts and urban mileage | Driver list with MVRs, vehicle VINs, trip volume, contract or exhibit |
| Wheelchair-accessible van | Lift and ramp operation, securement, loading and unloading injuries | Lift make/model, securement training records, PASS or equivalent certification |
| Stretcher transport | Patient handling, bariatric transfers, higher-severity claims; may need different markets | Crew training, protocols, vehicle build details, prior loss runs |
| Multi-vehicle NEMT fleet | Fleet controls, driver hiring standards, maintenance and dispatch records | Full vehicle schedule, driver roster, 3–5 years of loss runs, safety program |
| Interstate or long-distance medical transport | Radius rating, out-of-state exposure, registration and authority questions | Route profile, states operated, USDOT status if applicable, contracts |
Before you bid on a contract, before you bind, and again whenever you add vehicle types, states or new broker agreements.
NEMT operations run a wider vehicle mix than most standard commercial auto policies contemplate. We place coverage across the vehicle classes in the NEMT ecosystem — from single-sedan ambulatory work up to multi-state stretcher-van fleets.
NEMT sits between state health-agency rules, vehicle inspection programs and federal privacy obligations. Insurance is one piece, and it is the piece that stops dispatch when a certificate is missing or wrong. We coordinate coverage with the compliance items your state agency and contract actually verify.
Confirm the exact requirements with your state agency and each broker or managed-care contract before submitting a bid; requirements differ by program and change over time.
Send these items and we can approach the markets that write your operation instead of guessing. If you have the contract or insurance exhibit, that single document answers most limit questions.
Start the quote at /get-a-quote or call us and we will confirm what your specific contract requires.
It depends on where you operate and who you contract with. State Medicaid agencies, managed-care organizations and NEMT brokers each publish their own minimums, and the contract controls. Typically the package includes commercial auto liability, general liability, professional liability and workers' compensation, with limits and endorsements set by the contract. Send us the insurance exhibit and we match it line by line.
There is no standard rate. Pricing reflects vehicle types, passenger volume, service radius, driver records, required limits and loss history. Ambulatory sedan work, wheelchair-accessible vans and stretcher transport are underwritten differently. We quote your specific fleet and contracts rather than publishing a flat number.
Physical damage can extend to factory and after-market wheelchair lifts, ramps and securement systems when they are disclosed and scheduled as the policy requires. Coverage applies up to the scheduled value, subject to policy terms. Disclose the exact make and model of each lift at bind so it is not treated as unlisted equipment.
Each broker and managed-care organization sets its own insurance requirements, and those requirements vary by state, contract and program — do not assume one network's limits apply to another. We review your current contract or insurance exhibit and build a Certificate of Insurance package that matches what that specific agreement requires before you sign.
No. Credentialing verifies you meet program requirements such as vehicle inspections, driver background checks and training. Insurance is a separate purchase, and proof of insurance is normally one of the documents credentialing asks for. Being insured does not make you credentialed, and being credentialed does not mean your limits satisfy a given contract.
No. Non-emergency medical transportation contracting is primarily a state Medicaid program function, administered through state agencies, managed-care organizations and brokers. Medicare operates under different benefit and coverage rules, and should not be assumed to impose the same NEMT contracting or insurance requirements. Verify with the specific program or plan you are contracting with.
Yes. We regularly place first-time NEMT operators, including single-vehicle startups and companies moving over from paratransit or rideshare work. New ventures generally see less carrier competition and stricter documentation requirements in year one, and can be re-shopped at renewal with a clean loss run. Any pricing difference is quoted case by case.
Turnaround depends on the market, the completeness of your submission and the endorsements your contract requires. A complete submission — loss runs, driver list with MVRs, vehicle VINs and current contracts — is what moves it fastest. Certificates and additional insured endorsements are requested as soon as coverage is bound; issuance timing is set by the carrier.
It can, when the vehicles are rated for the territory and radius you actually run. If you regularly cross state lines for hospital discharge or long-distance transport, tell us before you bind so the policy is rated correctly. Whether USDOT registration or operating authority also applies depends on the vehicle, the number of passengers, whether you are compensated and whether the operation is interstate — confirm that with FMCSA and your state agency.
Get a free quote or call (321) 206-8035.