Specialized non-emergency medical transportation coverage for California operators contracted with Medi-Cal Managed Care Plans contract NEMT through Modivcare, Access2Care, MTM, and direct provider networks.
California is the largest NEMT market in the country. Medi-Cal covers over 14.6 million residents through Managed Care Plans like L.A. Care, Health Net, Anthem Blue Cross Medi-Cal, Molina Healthcare of California, Inland Empire Health Plan (IEHP), Kaiser Permanente, CalOptima, and Partnership HealthPlan. NEMT operators in California must also navigate California Public Utilities Commission (CPUC) requirements, the TCP (Transportation Charter Party) program, and county-level Medi-Cal contracting in counties like Los Angeles, San Diego, Riverside, and Sacramento.
Market Snapshot: Medi-Cal serves 14.6 million members — the largest Medicaid program in the United States. Los Angeles County alone has 4.5 million Medi-Cal members and over 250 dialysis centers driving constant NEMT demand.
Medi-Cal (California Department of Health Care Services)
$750,000 minimum CSL for vehicles seating 1–7 (CPUC Charter Party requirements); $1,500,000 for 8–15 seat vehicles; $5,000,000 for 16+ seat vehicles
Included within CSL limits per CPUC requirements
$1,000,000 CSL minimum required by Medi-Cal Managed Care Plans; $1,500,000+ for stretcher and 15-passenger vans
Important: California has both CPUC liability minimums (TCP) and Medi-Cal Managed Care Plan requirements. Most plans (L.A. Care, IEHP, Molina, Anthem) require $1,000,000 commercial auto, $1,000,000 general/professional liability, abuse and molestation, and workers compensation. Higher limits common for Los Angeles County and stretcher transport.
We write coverage for operators contracting with the largest brokers and Medicaid managed care plans in California:
Major NEMT broker for multiple Medi-Cal Managed Care Plans
NEMT broker contracts in Northern and Southern California
Manages NEMT for select Medi-Cal Managed Care Plans
Largest publicly operated health plan in the US — serves 2.5M+ Los Angeles County Medi-Cal members
Major Medi-Cal Managed Care Plan in 17 counties
Statewide Medi-Cal Managed Care contracts
Multi-county Medi-Cal Managed Care Plan
Riverside and San Bernardino county Medi-Cal
Orange County Medi-Cal Managed Care
Northern California Medi-Cal counties
Medi-Cal Managed Care contracts in select counties
Our team writes NEMT insurance across California. Here are the markets where we see the highest demand:
Knowing what claims happen most often in California helps you prevent losses and choose the right coverage:
Yes, most for-hire passenger carriers in California must hold a Transportation Charter Party (TCP) permit or Passenger Stage Corporation (PSC) authority from the CPUC. Some Medi-Cal subcontractors operate under broker authority, but most direct contracts require TCP.
Medi-Cal Managed Care Plans typically require $1,000,000 commercial auto liability, $1,000,000 general/professional liability, abuse and molestation coverage, workers compensation, and proof of CPUC TCP/PSC authority where applicable.
Los Angeles wheelchair vans typically cost $4,500 to $7,800 per year. Stretcher vans run $6,200 to $9,500. LA County is the most expensive California NEMT market due to traffic density, vehicle theft, and higher loss costs.
Yes. Several California carriers write new ventures with no prior NEMT history, though premiums typically run 15–25% higher in year one until loss history is established. We can usually issue policies and certificates within 24–72 hours.
TCP (Transportation Charter Party) authority covers prearranged charter and limousine-type service. PSC (Passenger Stage Corporation) covers fixed-route/scheduled service like airport shuttles. NEMT operators most commonly hold TCP authority.
Specialized California carriers familiar with CPUC TCP/PSC and Medi-Cal Managed Care requirements
L.A. Care, IEHP, CalOptima, Health Net, Anthem, and Molina contracting expertise
Same-day TCP filing assistance and certificates of insurance
Wildfire-aware comprehensive coverage and disaster preparedness guidance
Programs available for new NEMT ventures with no prior history
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.
Explore other commercial transportation insurance programs we write for fleet operators across the United States.
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 California Medicaid contracting, broker requirements, and the unique risks of medical transportation.