Specialized non-emergency medical transportation coverage for Arizona operators contracted with AHCCCS uses a managed care model — NEMT is delivered through plan-contracted brokers (Modivcare, MTM, Veyo).
Arizona's NEMT market is one of the fastest growing in the Southwest. AHCCCS covers over 2.4 million members and contracts NEMT through health plans rather than a single statewide broker. Phoenix and Tucson dominate the market, with Modivcare, MTM, and Veyo handling most trip volume for plans like Mercy Care, Banner-University Family Care, Care1st, and Arizona Complete Health.
Market Snapshot: AHCCCS membership exceeds 2.4 million. Maricopa County alone generates over 4 million NEMT trips annually. Tucson, Yuma, and the Navajo Nation add significant volume.
Arizona Health Care Cost Containment System (AHCCCS)
$25,000 per person / $50,000 per accident minimum (state minimum)
$15,000 minimum (state minimum)
$1,000,000 CSL required by AHCCCS plan contracts and most brokers
Important: AHCCCS contracted plans require NEMT providers to carry $1,000,000 commercial auto, $1,000,000 general liability, and proof of workers compensation. Stretcher transports often require $1,500,000 in combined limits.
We write coverage for operators contracting with the largest brokers and Medicaid managed care plans in Arizona:
Largest NEMT broker in Arizona, serves Mercy Care, Banner UFC, and others
Contracts with multiple AHCCCS plans
Historically served Care1st and other plans
Largest AHCCCS Complete Care plan in Maricopa County
Major plan in Pima and Maricopa counties
Statewide AHCCCS Complete Care contract
Our team writes NEMT insurance across Arizona. Here are the markets where we see the highest demand:
Knowing what claims happen most often in Arizona helps you prevent losses and choose the right coverage:
Yes, all AHCCCS health plan contracts require workers compensation coverage for all drivers and staff. This is non-negotiable and certificates must be on file before contract activation.
No. The Arizona DPS Level 1 fingerprint clearance card is required for any driver transporting Medicaid members. Most plans will not approve a driver until the card is verified.
Most Phoenix-area operators pay $3,500 to $5,800 per wheelchair van and $4,800 to $7,200 per stretcher van annually. New ventures typically start 15–20% higher until they build loss history.
Modivcare requires $1,000,000 commercial auto, $1,000,000 general liability, and workers compensation on file. They do not allow subcontracting under a parent company's policy without proper certificates and additional insured endorsements.
Carriers experienced with AHCCCS contracting and Modivcare/MTM compliance
Heat-tested coverage including comprehensive for monsoon and hail damage
Programs available for new NEMT ventures with no prior history
Same-day COIs and additional insured endorsements for broker enrollment
Coverage for ambulettes, gurney vans, and broader patient transport.
ADA paratransit and accessible transit coverage.
Auto liability and physical damage for your NEMT fleet.
Statutory workers comp for drivers and patient-care attendants.
State-specific NEMT insurance programs with the limits and filings required by Medicaid Managed Care Plans and broker networks.
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Luxury limo, sedan, and chauffeured fleet coverage.
TCP and CPUC-filed coverage for executive black car services.
ADA paratransit and accessible transport coverage.
Coverage for ambulettes, gurney vans, and patient transport.
Auto liability and physical damage for commercial fleets.
Premises and operations liability for transportation businesses.
Statutory workers comp for drivers and dispatch staff.
Get a free quote in under 24 hours. We work with carriers who understand Arizona Medicaid contracting, broker requirements, and the unique risks of medical transportation.