Non-Emergency Medical Transportation Insurance

Non-emergency medical transportation insurance is a type of insurance that helps to pay for the costs of transporting a patient for medical care when the situation is not an emergency. Some businesses may have different non-emergency medical transportation insurance requirements in order to have a license to operate. The non-emergency medical transportation insurance requirements may also vary based on the type of business, the patient occupancy rate and the types of conditions that the patients have. Understanding these insurance requirements could help a business manager to fulfill the requirements of the law, licensing organizations and patient care needs.

Non-Emergency Medical Transportation Insurance Requirements for Nursing Facilities
Skilled nursing facilities, also referred to as SNFs, may need to use non-emergency medical transportation when a patient needs outside services that are not available at the facility. For example, a patient may need a follow-up X-ray, dental care, eye exam or vaccination. The non-emergency medical transportation service would get the patient from the SNF to the medical provider safely and on-time. SNFs may need to have a non-emergency medical transportation provider available on a 24/7 basis in order to maintain the state licensing requirements.

Day Program Requirements for Non-emergency Medical Transportation Insurance
Some adults with disabilities may attend an adult day program. These programs offer respite services for full-time care providers and a means of socializing for the participants. Some of the participants may even perform paid work. From time to time, non-emergency medical transportation services may be needed. This may be the case if a patient needs to leave the day program in order to go to an appointment. In other cases, the non-emergency medical transportation is required in order to get the participant from his or her residence to the day program’s facility. Day programs should have non-emergency medical transportation insurance that covers their open hours and the number of participants they serve.

Residential Facilities
Adults with disabilities may live in a residential facility that houses up to 15 residents. These facilities have employees who come in to work, caring for the residents’ routine needs such as cooking, cleanup, medication administration, showering and getting dressed. When a patient has a doctor’s appointment, dentist appointment or needs to have some lab tests or an X-ray done, a non-emergency medical transport will be needed. Such facilities should maintain an adequate level of non-emergency medical transportation services based on their number of residents.

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

When people think of medical transportation, they automatically assume that ambulances blazing down the road with sirens blasting is the only type. However, in today’s world of healthcare, there is plenty of non-emergency medical transportation on the road as well. But just like other businesses, NEMT requires insurance on its vehicles and drivers. Since most of these vehicles are fitted with special equipment and handle a variety of clients, they require insurance that can cover these special requirements. If you are in need of non-emergency medical transportation insurance for Arizona, Nevada, or California, there are certain issues of which you should be aware.

Licensing Agency Requirements
Because drivers or other staff are expected to be able to communicate with clients as well as perform basic services on a daily basis, it’s imperative that non-emergency medical transportation insurance for Arizona, Nevada, California, or other areas provide adequate coverage for any situation that may arise. This can include such aspects of insurance as:
–Auto Liability Insurance
–Physical Damage Insurance
–General Liability Insurance
–Abuse and Molestation Insurance
Since each state issues its own requirements for NEMT, it’s vital to thoroughly research the requirements for your business so that if a problem arises, your employees will be covered.

Transportation Managers and Dispatchers
Vital parts for any NEMT business, transportation managers as well as dispatchers play an important role in ensuring patients as well as employees are protected. However, to make sure these employees are protected under your insurance plan, make sure they are added to the policy your business chooses. Since Medicare, Medicaid, and various states sometimes require a minimum amount of paratransit insurance, it’s crucial to make sure a transportation manager is added to the insurance policy as well. By doing so, the NEMT will never find itself responsible for an accident, since the transportation manager will be covered.

Make the Best Choice
When it comes time to get non-emergency medical transportation insurance for Arizona, Nevada, California, or other states where NEMT provides a vital service, it’s good to research the many options so that you make the best choice for your business. As the United States population continues to age, there’s no doubt this industry will continue to grow more in the years ahead. By providing specialized door-to-door transportation for the elderly as well as those who cannot ride standard public transportation, NEMT will play a pivotal role in the lives of those who need it most.

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

Commercial Taxi Insurance Az

Your life as a commercial taxi driver may be relaxed and pleasant, and you may find it thoroughly enjoyable to spend your days driving through town and meeting new people. While this can be a lucrative, fun and fast-paced job that provide you with significant satisfaction, there are some rules and requirements that you must comply with. For example, you may be required to purchase commercial taxi insurance AZ as well as in areas throughout the southwestern United States. While required, your coverage can also be financially beneficial for you.

Why You Need Insurance
There are legal requirements that state that you must maintain an active commercial taxi insurance AZ policy, and other states also have a similar requirement. These requirements can change from time to time, so you may consider contacting an insurance agent or researching the requirements on your own. In addition to the state’s requirements, you may be required to maintain a policy if you have a car loan in place. Most lenders will require that you hold at least a replacement coverage policy for the loan amount.

What to Look For in an Insurance Policy
It is important that you understand what the legal and lender requirements are for commercial taxi insurance AZ. These should be viewed as a minimum requirement, and you may consider purchasing additional coverage. Liability coverage, for example, may be increased to decrease your financial loss if you are sued for damages after an accident. Towing coverage or rental car coverage can be financially beneficial if you have a serious breakdown. When you car is used for commercial purposes, you may also benefit from loss of income insurance. After all, if your vehicle is not able to be used for income-producing activities, you will not be able to produce income to pay your expenses. These are just some of the many types of coverage available to you, and you can learn more about the options and their costs by speaking with an insurance broker or representative.

Commercial taxi insurance AZ and throughout the region is important to hold. It will help you to remain compliant with local laws and with your lender’s insurance requirements. It also can beneficial to you if you have an accident, if your car is stolen and if other similar events occur. After you have learned more about the different requirements in place for you, you can begin shopping for your policy today.

Best regards,
Gary Hanson
Professional Insurance Strategies, LLC
6708 W. Bethany Home Rd
Glendale, AZ 85301

ghanson@proinsgroup.com
602-481-0161
623-551-6716 Fax