Quick Answer
How much does nemt insurance cost in Columbus?
Columbus nemt insurance typically runs $6,000–$9,500/vehicle/yr per vehicle per year for the state-required minimum. Key factors include driver MVRs, vehicle type, Medicaid broker requirements, and loss history. Same-day COIs are available after binding.
Columbus Market Overview
- Ohio State University Wexner Medical Center is one of the largest academic health systems in the US
- CareSource and Buckeye Health Plan are the largest Ohio Medicaid MCOs
- PUCO certificate required for all for-hire commercial transportation in Ohio
- Growing behavioral health transportation market
Coverage Options — Columbus
| Feature | Required | Recommended | Premium |
|---|---|---|---|
| Auto Liability (CSL) | $1M CSL (Ohio Medicaid MCO standard) | $1M | $2M+ umbrella |
| General Liability | $1M | $1M | $2M |
| Abuse & Molestation | Required | Required | Required |
| Workers' Comp | If employees | Required | Required |
| Hired & Non-Owned | Recommended | $1M | $1M |
| Physical Damage | Optional | ACV | Stated value |
Approved Brokers We Work With in Columbus
We issue COIs naming any of the above brokers as additional insured — same business day you bind.
Columbus Service Area
Frequently Asked Questions
What insurance do Columbus NEMT operators need?+
Ohio Medicaid MCOs require $1M commercial auto, $1M general/professional liability, abuse and molestation, and workers' comp. PUCO also requires proof of insurance for commercial transportation authority.
Which MCOs manage NEMT in Columbus?+
CareSource, Molina Healthcare Ohio, and Buckeye Health Plan (Centene) are the primary Ohio Medicaid MCOs contracting NEMT in the Columbus area. Each requires its own credentialing and COI.