Buying insurance for your Non Emergency Medical Transportation (NEMT) company can be complicated. Fortunately, we have written NEMT (non emergency medical transportation insurance) policies for years, and can guide you through the process.

Non Emergency Medical Transportation Insurance Coverage

Typically, Non Emergency Transportation companies require some combination of the coverages listed below in order to transport patients for Medicaid or for a private medical facility:

• Auto Liability
• General Liability
• Worker’s Compensation
• Professional Liability
• Hired & Non-owned Auto Liability
• Abuse & Molestation Liability
• Assault & Battery Liability

Creating the right Non Emergency Transportation Insurance policy takes time and it can take a lot of experience to set up it correctly.

Factors Which Influence The Cost Of NEMT Insurance

Recently,  a prospective client asked for a ballpark premium for Non Emergency Transportation insurance in Texas.

Premiums for Non Emergency Transportation insurance vary vastly from one account to the next. We recently renewed two Non Emergency Transportation accounts this month: One is paying $4,000 per vehicle, the other is paying $11,000 per vehicle. They are both doing the exact same thing. The difference?

• Operating policies & procedures
• Hiring practices
• Vehicle maintenance procedures
• First Aid procedures
• Operators driving records
• Experience level of managers
• Claims history

Understanding Non Emergency Medical Transportation Insurance Costs

To give you an analogy, what they were asking is somewhat like walking into a doctor’s office and saying, “How’s my overall health?” The doctor would most likely respond, “Let’s get some vital statistics and run some tests and then I’ll be able to tell you.”

In order to get pricing for any Non Emergency Medical Transportation insurance policy, we first need to get a company’s ‘vital statistics’. Obviously, the objective is to get them as close to the lowest end of the pricing spectrum as possible, but that depends on those factors mentioned above.

Medicare & Medicaid Non Emergency Medical Transportation Insurance

In many states, Medicaid will only contract with one specific company. Those companies subcontract out the Medicaid trips to the actual providers. All these companies have different non emergency medical transportation insurance requirements in their contracts in order to drive for them.

Similarly, private pay facilities (such as nursing homes) have similar requirements. We are happy to review the contract requirements while we are quoting your Non Emergency Transportation insurance, to make sure that it gets set up right the first time.

FAQs on Non Emergency Medical Transportation Insurance

Below are some most frequently asked questions and common problems we hear from our clients before moving over to our agency.

How To Change NEMT Insurance Companies

Shocking, but sometimes people just want to fire their insurance agent. It’s a sad realization that good insurance has become a rarity. When an insurance policyholder wants to change insurance agents but keep the same carrier, they must provide the new agent with an Agent of Record letter. This grants the new agent legal authority to represent the policyholder with the same insurance carrier.

Most non emergency medical transportation insurance carriers are legally bound not to discuss a policyholder’s account with an insurance agent unless they are the agent of record. An Agent of Record letter gives the new agent rights to receive all communications on behalf of the policyholder.

How Do I Know I Have The Best NEMT Insurance?

The definition of best insurance may be different depending on carriers, and honestly it could be different than what you are looking for. We believe that the “best non emergency medical transportation insurance coverage” for you is based first on good insurance coverage and second on lowest available cost. Many people, when shopping for the best insurance only use price as a factor of their decision. This is a very dangerous gauge of value.

Our Texas insurance company believes you take many factors into consideration in attempt to find the best fit for you. Consider the following when shopping for insurance:

• Is the agent trustworthy?
• Is the agency personable?
• What level of care should you expect?
• What resources are available to you?
• What does the claims process look like?