Non-Emergency Medical Transportation Insurance or NEMT Insurance

As advances in life-sustaining medical care surge, people with limited mobility are living longer, happier, more active lives. The demand for non-emergency medical transportation (NEMT)insurance has never been greater. Providers in California, Nevada and Arizona need to ensure they meet stringent state and federal insurance requirements to qualify for Medicare, Medicaid, as well as other insurance payment eligibility.

Of course, making sure your business is protected is a no-brainer, regardless of the law. Here is an overview of some basics about non-emergency medical transportation insurance for Arizona, California, Nevada providers.

According to the federal guide for NEMT providers, carriers are responsible for obtaining significant risk management coverage. States like California, Nevada, Arizona have their own specific regulations as well.

Types of Coverage

It’s important to consult with a qualified commercial insurance professional who specializes in non-emergency medical transportation insurance for Arizona, California, plus Nevada, or for whatever state you operate in. This list is a good introduction to some of the various kinds of coverage you’ll need to consider to meet requirements and protect your company:

• Commercial Automobile Liability
• General Liability
• Professional Liability
• Worker’s Compensation
• Abuse/Molestation Liability
• Property Liability
• Cyber/Data Breach Liability
• Loading/Unloading Coverage
• Employment Practices Liability
• Umbrella Coverage

A Unique Responsibility

It may seem like the insurance requirements for providing NEMT are scary, but when you consider the exceptional care responsibility for patients requiring this service, it really makes sense. Transporting mobility-limited individuals to medical appointments, treatments, or even to non-medical activities, requires great care be taken for the protection of all involved. Your customers may include:

• Wheelchair-bound patients
• Stretcher-bound patients
• Patients with other extreme physical limitations
• Patients who are unable to communicate or have mental disabilities
• Extremely elderly patients

Protect Your Business

As a responsible business owner dedicated to meeting federal or state requirements, as well as a passionate caregiver devoted to providing your customers and employees with the best, safest care possible, investing in NEMT insurance for your company is non-negotiable. Grow the success of your company with the correct non-emergency medical transportation insurance for Arizona, California, and Nevada. Make sure you are properly protected. Working with an NEMT-specialized insurance professional is the best way to navigate the sometimes complicated rules of the road. It will give you, your employees, as well as your patients peace-of-mind in an industry where gentle, safe guardianship is a must, from the CEO right down to each professional driver.

Best regards,
Gary Hanson
Professional Insurance Strategies
P: (602) 481-0161 • F: (623) 463-9001 • E: ghanson@proinsgroup.com
Physical Address: 2822 W Northern Ave. • Phoenix, AZ 85051
Mailing Address: 3655 W Anthem Way Ste. A 109 #283 • Anthem, AZ 85086
Auto*Home*Life*Commercial*Bonds*Workers Compensation*Property

Non-Emergency Medical Transportation Insurance or NEMT Insurance

Non-Emergency Medical Transportation Insurance or NEMT

Ever since the passing of the Affordable Care Act, the federal law commonly referred to as “Obamacare,” more business opportunities have emerged for providers of ancillary services such as patient transportation. In states with higher populations of retirees, demand for patient transportation services has dramatically increased as Medicare as well as other subsidized programs.

In the Obamacare era, patient transportation services are thriving. Inquiries for non-emergency medical transportation insurance for Arizona, Nevada and California are at an all time high due to ongoing demand. Companies are investing in updated vehicle fleets; they are also incorporating features such as mobile apps for the purpose of offering more convenience to patients.

Getting patients safely from medical facilities and their residences and vice versa is an important benefit that health management organizations have always supported. In the history of Medicaid, the practice of arranging special transportation for patients dates back to 1966, when it was made part of an Early Screening strategy, which intends of lower the financial burden of public health services by making sure that patients do not have transportation obstacles when getting treatment. By providing non-emergency transportation, patients are encouraged to keep their medical appointments; this is part of an overall strategy to keep the population healthy.

Coverage of transportation fees will vary according to the insurance plan; for example, non-emergency ambulance transportation will be fully covered by Medicare for patients who are being treated for end-stage renal disease, which means that they will need dialysis sessions a few times per week. Furthermore, Medicare will cover non-urgent transportation in just about all cases when physicians take the time to write the need for such arrangements as part of the treatment plan.

Patients who are on the Part B Medicare program may have to pay 20 percent out of pocket for transportation; these are typically patients who require occasional services. For other patients who obtain insurance from the state or federal insurance marketplaces, similar conditions will apply.

Having adequate non-emergency medical transportation insurance for Arizona, Nevada and California is vital for entrepreneurs who plan to enter this lucrative segment. The liabilities are considerably higher when compared to other transportation services such as those provided by limousine operators. Non-emergency medical transportation insurance for Arizona, Nevada and California is not as costly as some people may think; a key element to scoring lower premiums is to follow the advice of insurance agents with regard to installing special equipment to keep patients safe.
Best regards,
Gary Hanson
Professional Insurance Strategies
P: (602) 481-0161 • F: (623) 463-9001 • E: ghanson@proinsgroup.com Physical Address: 2822 W Northern Ave. • Phoenix, AZ 85051 Mailing Address: 3655 W Anthem Way Ste. A 109 #283 • Anthem, AZ 85086 Auto*Home*Life*Commercial*Bonds*Workers Compensation*Property

What Insurance Companies Are Competitive For Livery

What Insurance Companies Are Competitive For Livery

When it comes to the business of transportation, one of the most important aspects of these businesses involves having the proper insurance coverage. For those who operate commercial limousine services, bus charter services, or have a fleet of vehicles for other purposes, having livery insurance makes sense in a number of ways. Because these businesses rely on dealing with a wide variety of people on a daily basis, it’s virtually inevitable that situations will happen that result in the need for livery insurance coverage. In order to know what insurance companies are competitive for livery, there are a number of factors to take into consideration.

Coverage Limits
When a business owner is attempting to decide on the proper livery insurance, one of the first things to take into consideration is coverage limits. Whether a business has only one limo or a multitude of vehicles, knowing what insurance companies are competitive for livery can provide coverage limits from $5 million up to as much as $20 million, ensuring any business can be protected in the event an incident happens.

A Variety of Services
For businesses that are in need of insurance, determining what insurance companies are competitive for livery involves knowing what services are available. Some of the most common services used by personal transportation businesses include:
–Bodily Injury and Property Damage
–Physical Damage
–General Liability
–Garage Liability
Within these different types of coverage, some of the key components include uninsured motorist coverage, underinsured motorist coverage, medical payments, and personal injury protection.

Knowledge and Experience
Perhaps most of all, knowing what insurance companies are competitive for livery includes working with an insurance broker who has the knowledge and experience needed in this specialized area of insurance. By doing so, an agent can talk with you about the specific needs of your business, then tailor a policy that ensures as much coverage as possible for numerous situations. In addition to this, the best agents are often independent, allowing them to work with a number of different companies in order to get the best deals for their customers.

Contact an Agent Today
In order to have a complete understanding of what insurance companies are competitive for livery, the best thing to do is contact a knowledgeable and experienced insurance agent. By doing so, you and your business can begin to discover the many aspects of livery insurance, all of which can help protect your business in the event an accident or other incident occurs.

Best regards,
Gary Hanson
Professional Insurance Strategies, LLC
2822 W. Northern Ave
Phoenix, AZ 85051
Mailing
3655 W. Anthem Way A109-283
Anthem, AZ 85086
ghanson@proinsgroup.com
602-481-0161
623-463-9001 Fax

Cab Insurance Arizona

Cab Insurance Arizona

Operating a taxi can be a great way to make money in Arizona. People are always in need of rides to bars, to the airport or wherever else they need to go. However, it is important that you have sufficient insurance if you want to operate a legal taxi company or drive your own taxi within the law.

Cab Insurance Arizona Requirements

If you are going to operate a taxi in the state of Arizona, you must carry $250,000 of primary commercial coverage in addition to $250,000 of uninsured motorist coverage. However, this is only during times in which you are actually transporting a paying customer. Proof of insurance must be carried at all times and presented upon request to anyone who asks for it.

Cab Insurance Arizona Requirements When Not Transporting Customers

If you are driving a taxi in the state of Arizona without any passengers inside, your insurance requirements are the same as any other driver. This means that you only have to carry $25,000 of general liability for a single person and $50,000 to cover two or more people hurt in an accident. Furthermore, you must carry $20,000 of coverage to pay for any property damage that may occur in an accident.

What Happens After an Accident?

In the event that you get into an accident while driving a cab, an investigation will be performed. You are responsible for presenting proof of insurance and meeting all other requirements to act as a taxi driver or operator. Your cab insurance Arizona provider is also required to provide any information that would help an investigation proceed. After an investigation is complete, one party will be deemed to have been at fault, and legal proceedings may take place if applicable.

What Happens if Your Commercial Insurance Policy Lapses?

If your insurance lapses, you must either get a new policy or stop operating as a taxi. Your insurance company may allow you to renew your coverage automatically or otherwise alert you to the fact that your policy will lapse well before it actually happens. This gives you ample time to ensure that your policy remains valid.

Whenever you operate a motor vehicle whether for private or commercial purposes, don’t forget to have adequate insurance. It will help you avoid financial and legal penalties that can harm your personal finances as well as your ability to make a living driving your car.

Best regards,
Gary Hanson
Professional Insurance Strategies, LLC
2822 W. Northern Ave
Phoenix, AZ 85051
Mailing
3655 W. Anthem Way A109-283
Anthem, AZ 85086
ghanson@proinsgroup.com
602-481-0161
623-463-9001 Fax


Cheap Taxi Insurance-Phoenix, AZ, NM, NV

The old adage is true. You get what you pay for. When we shop your Taxi and Livery Insurance, we not only look at saving you the most but we look at several other factors. What is the rating of the company? How do they handle claims? Will they give discounts on your renewal? Do you need taxi or livery insurance to work at the airport? Cheap taxi insurance isn’t as easy as it seems.

Gary Hanson
Professional Insurance Strategies, LLC
602-481-0161

Phoenix, AZ
3519 E. Shea Blvd. Suite 120
Phoenix, AZ 85028

Glendale, AZ
6708 W. Bethany Home Rd.
Glendale, AZ 85301