Specialized non-emergency medical transportation coverage for Pennsylvania operators contracted with PA HealthChoices manages NEMT through UPMC Health Plan, Keystone First (AmeriHealth Caritas), Geisinger Health Plan, and AmeriHealth Caritas PA.
Pennsylvania's Medicaid HealthChoices program is one of the largest managed care programs in the Mid-Atlantic. NEMT is contracted through regional MCOs including UPMC Health Plan (Western PA), Geisinger (Central/Northeast PA), Keystone First and AmeriHealth Caritas (Southeast PA/Philadelphia), and Community HealthChoices (CHC) for long-term care members. The Pennsylvania Public Utility Commission (PUC) regulates commercial transportation statewide.
Market Snapshot: PA HealthChoices covers 2.8 million Medicaid members. Philadelphia and Pittsburgh generate the largest NEMT markets; rural central PA has significant medical transportation demand due to limited healthcare access.
Pennsylvania Medicaid (MA) HealthChoices program managed through regional MCOs
$35,000 CSL Pennsylvania statutory minimum for commercial vehicles; HealthChoices MCOs require $1,000,000 CSL
Included in CSL; PA first-party benefits (FPB) on commercial vehicles
$1,000,000 CSL for HealthChoices MCO contracting
Important: PA HealthChoices MCOs (UPMC, Geisinger, Keystone First, AmeriHealth Caritas) require $1M commercial auto, $1M general/professional liability, abuse and molestation, and workers' comp. PA PUC authority required for all common carriers. Philadelphia PPA jurisdiction applies for TNC/taxi in Philadelphia.
We write coverage for operators contracting with the largest brokers and Medicaid managed care plans in Pennsylvania:
Dominant Western PA HealthChoices plan; large NEMT contractor network
Southeast PA and Philadelphia HealthChoices plan
Central and Northeast PA HealthChoices plan
Southeast PA Medicaid managed care
PA long-term care Medicaid managed care contracting MLTSS NEMT
Our team writes NEMT insurance across Pennsylvania. Here are the markets where we see the highest demand:
Knowing what claims happen most often in Pennsylvania helps you prevent losses and choose the right coverage:
PA HealthChoices MCOs require $1M commercial auto CSL, $1M general/professional liability, abuse and molestation, and workers' comp. PA PUC also requires a certificate of public convenience for all common carriers.
For most statewide NEMT operators, PA PUC common carrier authority is sufficient. Philadelphia PPA jurisdiction applies to TNCs and taxis within Philadelphia city limits — most NEMT operators do not need PPA approval.
CHC serves long-term care Medicaid members who often have higher acuity and more complex transport needs. CHC NEMT contracts may require higher liability limits ($1M+) and more extensive driver training certifications than standard HealthChoices NEMT.
Experience with UPMC, Geisinger, Keystone First, and AmeriHealth Caritas credentialing
PA PUC authority filing support
Programs for both Philadelphia and Pittsburgh markets
CHC (long-term care NEMT) specialists
Same-day COIs for all PA HealthChoices plans
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 Pennsylvania Medicaid contracting, broker requirements, and the unique risks of medical transportation.