Quick Answer
How much does nemt insurance cost in Sacramento?
Sacramento nemt insurance typically runs $7,000–$11,500/vehicle/yr per vehicle per year for the state-required minimum. Key factors include driver MVRs, vehicle type, Medicaid broker requirements, and loss history. Same-day COIs are available after binding.
Sacramento Market Overview
- State capital with large Medi-Cal enrollment and government healthcare facilities
- UC Davis Medical Center drives significant NEMT demand
- Partnership HealthPlan and Health Net manage Medi-Cal in Sacramento County
- California TCP required for all for-hire operators
Coverage Options — Sacramento
| Feature | Required | Recommended | Premium |
|---|---|---|---|
| Auto Liability (CSL) | $1M (NEMT broker minimum), $1.5M (TCP) | $1M | $2M+ umbrella |
| General Liability | $1M | $1M | $2M |
| Abuse & Molestation | Required | Required | Required |
| Workers' Comp | If employees | Required | Required |
| Hired & Non-Owned | Recommended | $1M | $1M |
| Physical Damage | Optional | ACV | Stated value |
Approved Brokers We Work With in Sacramento
We issue COIs naming any of the above brokers as additional insured — same business day you bind.
Sacramento Service Area
Frequently Asked Questions
Which Medi-Cal plans operate NEMT in Sacramento?+
Sacramento County NEMT is primarily managed through Partnership HealthPlan of California and Health Net Medi-Cal, with Molina and Modivcare also contracting providers. Each plan requires its own COI and additional insured endorsement.
Does Sacramento have special NEMT licensing requirements?+
Beyond California's TCP permit, Sacramento NEMT operators serving Medi-Cal members must enroll as Medi-Cal providers through DHCS and meet each managed care plan's credentialing standards.