Specialized non-emergency medical transportation coverage for Florida operators contracted with Modivcare and Access2Care manage NEMT for most SMMC plans across Florida regions.
Florida's NEMT market is one of the largest and most competitive in the country, driven by 4.6 million Medicaid members, the highest senior population per capita in the US, and a massive dialysis and skilled nursing facility network. SMMC plans like Sunshine Health, Humana Medical Plan, Simply Healthcare, Aetna Better Health, Molina, and UnitedHealthcare Community Plan contract NEMT through Modivcare and Access2Care across Florida's 11 SMMC regions.
Market Snapshot: Florida Medicaid covers 4.6 million members. The state has 800+ dialysis centers and 700+ skilled nursing facilities. Miami, Tampa, Orlando, and Jacksonville generate millions of NEMT trips annually.
Florida Medicaid (Statewide Medicaid Managed Care – SMMC)
$10,000 PIP / $10,000 PDL minimum (Florida no-fault)
$10,000 PDL minimum
$1,000,000 CSL required by SMMC plans, Modivcare, and Access2Care
Important: Florida is a no-fault state requiring PIP and PDL. NEMT operators must also carry $1,000,000 commercial auto liability, $1,000,000 general liability, abuse and molestation coverage, and workers compensation. Miami-Dade and Broward counties have additional for-hire vehicle insurance requirements.
We write coverage for operators contracting with the largest brokers and Medicaid managed care plans in Florida:
Primary NEMT broker for most SMMC plans
Manages NEMT in select SMMC regions
One of the largest SMMC plans in Florida
Statewide SMMC contract
Major SMMC plan
Multi-region SMMC contract
SMMC plan
Statewide SMMC contract
Our team writes NEMT insurance across Florida. Here are the markets where we see the highest demand:
Knowing what claims happen most often in Florida helps you prevent losses and choose the right coverage:
All Florida SMMC plans (Sunshine, Humana, Simply, Aetna, Molina, UnitedHealthcare) require $1,000,000 commercial auto, $1,000,000 general liability, abuse and molestation coverage, workers compensation, and Florida no-fault PIP/PDL.
Florida requires $10,000 PIP and $10,000 PDL on all registered vehicles including NEMT. PIP/PDL is in addition to the $1,000,000 commercial auto liability required by Medicaid plans, and is bundled into your commercial NEMT policy.
Critical. Florida sees the most hurricane and tropical storm activity in the US. Comprehensive coverage with windstorm endorsement and flood considerations is essential. AHCA also requires NEMT operators to maintain a written hurricane preparedness plan.
Miami-area wheelchair vans typically cost $5,500 to $8,500 per year. Stretcher vans run $7,200 to $10,500. South Florida is the most expensive NEMT market in the state due to traffic, theft, and hurricane exposure.
If you're operating NEMT exclusively under Medicaid contract through SMMC plans, you typically do not need a Hack License. However, any non-Medicaid for-hire passenger transport in Miami-Dade requires county permitting.
Florida-experienced carriers familiar with SMMC, AHCA, and Modivcare requirements
Hurricane-resistant comprehensive coverage with windstorm endorsements
Programs for Miami, Tampa, Orlando, Jacksonville, and all SMMC regions
Same-day COIs and additional insured endorsements for plan enrollment
Specialty programs for dialysis transport, stretcher, and behavioral health
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 Florida Medicaid contracting, broker requirements, and the unique risks of medical transportation.