Specialized non-emergency medical transportation coverage for Illinois operators contracted with First Transit / Modivcare manages NEMT through HFS contracts and managed care plans.
Illinois NEMT operations are heavily concentrated in Chicago and the surrounding Cook, DuPage, Lake, and Will counties. The Department of Healthcare and Family Services (HFS) contracts NEMT through Modivcare and First Transit, with managed care plans like Meridian, Blue Cross Community Health Plans, CountyCare, and Molina serving over 3.4 million HealthChoice Illinois members.
Market Snapshot: Illinois Medicaid covers 3.4 million members. Chicago and Cook County alone generate over 2.5 million NEMT trips annually. Strong dialysis and behavioral health transport demand statewide.
Illinois Medicaid (HFS) and HealthChoice Illinois managed care
$25,000 per person / $50,000 per accident (state minimum)
$20,000 minimum
$1,000,000 CSL required by HFS and all managed care plans
Important: Modivcare and First Transit typically require $1,000,000 commercial auto, $1,000,000 general liability, $500,000 abuse and molestation, and workers compensation. Cook County adds a vehicle license fee.
We write coverage for operators contracting with the largest brokers and Medicaid managed care plans in Illinois:
Statewide HFS NEMT broker
Manages CTA paratransit and Medicaid contracts
Largest HealthChoice Illinois plan
BCBS Illinois Medicaid managed care
Cook County–focused Medicaid plan
Statewide HealthChoice Illinois contract
Medicaid managed care
Our team writes NEMT insurance across Illinois. Here are the markets where we see the highest demand:
Knowing what claims happen most often in Illinois helps you prevent losses and choose the right coverage:
Modivcare requires $1,000,000 commercial auto, $1,000,000 general liability, $500,000 in abuse and molestation, and workers compensation on file before activating any provider in Illinois.
Not legally required, but most insurance carriers and plans strongly recommend dedicated winter tires from November through March to reduce slip and skid claims, which spike during Chicago winters.
A single wheelchair van in Chicago typically costs $4,200 to $6,500 per year. Stretcher vans run $5,500 to $8,200. Sedans for ambulatory transport are $3,200 to $4,800.
Cook County requires a vehicle license for any for-hire passenger transportation. The Illinois Commerce Commission also requires a Common Carrier of Passengers Certificate of Authority for paratransit service.
Specialized Chicago and downstate Illinois NEMT programs
Carriers familiar with Modivcare, First Transit, and CountyCare requirements
Winter-ready coverage including comprehensive for snow, ice, and hail
Same-day COIs and additional insured endorsements for HFS and managed care
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 Illinois Medicaid contracting, broker requirements, and the unique risks of medical transportation.