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

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

As the healthcare industry of today continues to evolve, one aspect that has taken on greater importance has been non-emergency medical transportation. A service needed by people who are unable to use standard public transportation, there is no doubt the elderly as well as those who are disabled benefit greatly from this service. However, just as it is with any business, non-emergency medical transportation needs insurance coverage. When non-emergency medical transportation insurance for Arizona, Nevada, and California businesses is needed, there are a variety of factors to consider.

Types of Coverage
Because this type of business deals with a wide variety of clients, it requires various types of insurance coverage to ensure it can be protected in the event an incident arises. Some of the most common types of coverage for NEMT include:
–Commercial Auto
–General Liability
–Directors or Officers Liability
–Abuse or Molestation Coverage
–Professional Liability
By making sure they have these types of coverage, non-emergency medical transportation companies can have peace of mind, knowing they are fully protected.

Industry Compliance
As is the case with any business related to healthcare, non-emergency medical transportation is highly-regulated and is required to be in compliance with many state and federal rules and regulations. Because of this, non-emergency medical transportation insurance for Arizona, Nevada, or California must be carefully analyzed to ensure it will allow the business to meet whatever guidelines are in its individual state. This is of particular importance when it comes to the company’s transportation managers, dispatchers, or other related personnel, since they possess high levels of responsibility within the business, and are entrusted with making sure the patients get from one destination to another in a safe manner.

Special Equipment Coverage
Since insurance requirements for Medicare, Medicaid, as well as state insurance agencies can vary greatly, they have many, many details associated with them. Therefore, it’s vital to have coverage for any special equipment that may be part of each vehicle. Whether it’s special seating, doorways, or lifts for wheelchairs or other mobility devices, having special equipment coverage can ensure your business will be able to have coverage for virtually any situation.

Obtain the Coverage You Need
To make sure your business is not facing a potentially costly legal situation, it’s crucial to obtain non-emergency medical transportation insurance for Arizona, Nevada, California, or other areas where this coverage is needed. By determining your needs, you’ll be able to meet whatever standards Medicare, Medicaid, or state insurance regulations require.

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