Specialized non-emergency medical transportation coverage for Michigan operators contracted with Modivcare manages NEMT for most Michigan Medicaid managed care plans.
Michigan's Medicaid program covers over 3 million residents through Healthy Michigan and traditional Medicaid. NEMT is contracted through Modivcare for most managed care plans including Meridian Health Plan of Michigan, Molina Healthcare, Priority Health, McLaren Health Plan, HAP CareSource, and UnitedHealthcare Community Plan. Detroit, Grand Rapids, Lansing, and Flint anchor the largest provider markets.
Market Snapshot: Michigan Medicaid covers 3 million members. Detroit metro generates 60% of statewide NEMT volume. Strong dialysis and behavioral health transport demand statewide.
Michigan Medicaid (Healthy Michigan Plan)
Michigan no-fault PIP required (lifetime medical or capped per current statute); residual liability minimums apply
$10,000 minimum (Property Protection Insurance)
$1,000,000 CSL required by Modivcare and all Michigan Medicaid managed care plans
Important: Michigan is a no-fault state. NEMT operators need PIP, PPI, and Residual Liability (BI/PD) plus $1,000,000 commercial auto liability for Medicaid contracts. Plans also require $1,000,000 general liability, abuse/molestation, and workers compensation.
We write coverage for operators contracting with the largest brokers and Medicaid managed care plans in Michigan:
Primary NEMT broker for most Michigan Medicaid plans
Largest Michigan Medicaid plan
Statewide Medicaid managed care
West Michigan Medicaid managed care
Mid-Michigan Medicaid coverage
Detroit metro Medicaid managed care
Statewide Medicaid managed care
Our team writes NEMT insurance across Michigan. Here are the markets where we see the highest demand:
Knowing what claims happen most often in Michigan helps you prevent losses and choose the right coverage:
Michigan requires Personal Injury Protection (PIP), Property Protection Insurance (PPI), and Residual Liability on all vehicles including NEMT. PIP can be selected at various coverage caps. NEMT operators must also carry $1,000,000 commercial auto liability for Medicaid contracts on top of no-fault minimums.
Modivcare requires $1,000,000 commercial auto, $1,000,000 general liability, abuse and molestation coverage, workers compensation, and proof of Michigan no-fault compliance.
Detroit-area wheelchair vans typically cost $5,200 to $7,800 per year including no-fault PIP. Detroit's higher theft and accident frequency makes it the most expensive Michigan market.
Most NEMT operations under Medicaid contracts do not require Michigan Public Service Commission authority. However, any non-Medicaid for-hire passenger transport may require a permit.
Carriers familiar with Michigan no-fault and Modivcare contract requirements
Programs for Detroit, Grand Rapids, Lansing, Flint, and Ann Arbor
Winter-ready comprehensive coverage for Great Lakes weather
Specialty endorsements for dialysis, behavioral health, and stretcher transport
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 Michigan Medicaid contracting, broker requirements, and the unique risks of medical transportation.