Specialized non-emergency medical transportation coverage for New Jersey operators contracted with NJ FamilyCare NEMT managed through Horizon NJ Health, Amerigroup NJ, WellCare NJ, and Aetna Better Health NJ.
New Jersey is a high-cost NEMT market driven by dense population, proximity to New York City, and a strong plaintiff legal environment. NJ FamilyCare Medicaid MCOs require $1M commercial auto, general liability, abuse and molestation, and workers' comp. NJ also requires a livery endorsement on all for-hire vehicle policies, and the state's no-fault PIP system affects how claims are handled.
Market Snapshot: NJ FamilyCare covers approximately 1.9 million members. Newark, Jersey City, and Camden drive significant NEMT trip volume, particularly for dialysis and behavioral health.
NJ FamilyCare (NJ Medicaid, managed through NJ Division of Medical Assistance and Health Services)
$1,500,000 CSL minimum for livery/sedan operators; $1,000,000 CSL minimum for NJ FamilyCare Medicaid MCOs
Included in CSL; NJ PIP ($15,000 minimum) required on all registered vehicles
$1,000,000 CSL for Medicaid contracts; $1,500,000 for licensed livery operators
Important: NJ requires a livery endorsement on all for-hire vehicle policies. NJ no-fault PIP ($15K minimum) applies to all registered vehicles including NEMT. Horizon NJ Health, Amerigroup, and WellCare all require $1M commercial auto + $1M GL + abuse and molestation + workers' comp.
We write coverage for operators contracting with the largest brokers and Medicaid managed care plans in New Jersey:
Largest NJ Medicaid MCO by enrollment
Major NJ FamilyCare managed care plan
NJ Medicaid managed care plan
NJ FamilyCare managed care plan
NJ Medicaid managed care plan
Our team writes NEMT insurance across New Jersey. Here are the markets where we see the highest demand:
Knowing what claims happen most often in New Jersey helps you prevent losses and choose the right coverage:
NJ Medicaid MCOs (Horizon NJ Health, Amerigroup, WellCare) require $1M commercial auto CSL, $1M general liability, abuse and molestation, and workers' comp. NJ also requires PIP on all registered vehicles and a livery endorsement on for-hire vehicle policies.
Yes — New Jersey requires a livery endorsement on all commercial auto policies used for for-hire passenger transportation. We include this automatically on all NJ NEMT and limo policies.
NJ NEMT operators typically pay $7,500–$13,000 per vehicle per year — somewhat higher than states like Texas or Arizona due to PIP costs, livery requirements, and NJ's active plaintiff environment.
NJ livery endorsements included automatically
PIP-compliant policies for all registered NJ vehicles
Experience with Horizon NJ Health, Amerigroup, and WellCare credentialing
Coverage for both NJ and NYC-adjacent operations
Same-day COIs for all NJ MCO requirements
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 New Jersey Medicaid contracting, broker requirements, and the unique risks of medical transportation.