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

Insurance For Limos

Carrying liability insurance is mandatory for limousine drivers in almost every state throughout the United States; however, most limousine owners will purchase more insurance due to the value of their limousines, among other factors. There are more requirements pertaining to insurance for limos in Arizona, Nevada, and New Mexico, when compared to other states.

Quick Insurance Facts

Some quick facts that limousine owners in Arizona, Nevada, and New Mexico should know include the fact that an insurance policy for all limousine companies in these states must be at least $300,000 – this amount could be more, depending on the capacity (number of passengers) of the limousine. Insurance for limousines must also cover the following:

  • Coverage against uninsured motorists, as well as under-insured motorists
  • Personal liability
  • Property damage

Available Insurance for Limousines

There are a variety of options available for limo owners in Arizona, Nevada, and New Mexico. Some of the insurance for limos in these states include:

Limited liability protects the driver and limousine owner from the cost of damage to the property of another person. Claims against the policy holder are also covered with limited liability insurance. Bodily injury – or property damage – is typically covered under limited liability insurance.

Full coverage insurance is also known as Collision and Comprehensive coverage. This insurance for limos protects the insured limo against damage that is caused by most objects, as well as other vehicles.

Other insurance for limos include:

  • Excess/Umbrella Liability
  • Physical Damage
  • Property Damage
  • Worker’s Compensation

Even though the insurance will cover the damages, the limousine owner is typically responsible for a deductible – this is the case with Collision and Comprehensive coverage. Limo owners should verify the deductible amount prior to purchasing the insurance for limos. After the deductible has been paid, the balance is then covered by the insurance company.

Stay Covered

It is important that limousine owners follow the insurance regulations that are set in place in Arizona, Nevada, and New Mexico; failing to do so could lead to fines, loss of license, possible lawsuits, and more negative consequences that could affect the limo business.

To ensure that the laws set in place pertaining to insurance for limousines are followed, these states mandate that the weight and measurements for all limos are checked to verify that they are properly insured. There are also investigators that are specifically assigned to vehicles for hire; ensuring the safety of Arizona, Nevada, and New Mexico citizens.