Specialized non-emergency medical transportation coverage for Texas operators contracted with Texas operates a regional Medical Transportation Program (MTP) — managed by MTM in some regions and by health plans directly in STAR+PLUS service areas.
Texas has the largest NEMT market in the Sun Belt. Between Medicaid managed care plans, MTM regional contracts, and the booming senior population in Houston, Dallas-Fort Worth, San Antonio, and Austin, demand for wheelchair, stretcher, and ambulatory transport is enormous. Texas operators face unique requirements including Texas Department of Licensing and Regulation (TDLR) considerations and HHSC contracting standards.
Market Snapshot: Texas Medicaid covers over 5.4 million people. The MTP delivers more than 6 million one-way trips per year. Houston and DFW each generate 1M+ NEMT trips annually.
Texas Medicaid (HHSC) and STAR/STAR+PLUS managed care programs
$30,000 per person / $60,000 per accident (Texas state minimum for personal lines)
$25,000 minimum
$500,000 CSL minimum required by HHSC for MTP contracts; $1,000,000 required by most managed care plans
Important: MTM, Modivcare, and managed care plans (Superior, Amerigroup, Molina, UnitedHealthcare) typically require $1,000,000 commercial auto, $1,000,000 general liability, abuse and molestation coverage, and workers compensation.
We write coverage for operators contracting with the largest brokers and Medicaid managed care plans in Texas:
Manages MTP regions including parts of Houston and East Texas
Major broker for STAR+PLUS plans
Largest STAR+PLUS plan in Texas
STAR and STAR+PLUS contracts statewide
Multiple service areas
STAR Kids and STAR+PLUS
STAR Kids in Tarrant Service Area
Our team writes NEMT insurance across Texas. Here are the markets where we see the highest demand:
Knowing what claims happen most often in Texas helps you prevent losses and choose the right coverage:
Texas HHSC requires a minimum of $500,000 combined single limit for MTP contracts. However, most managed care plans (Superior, Amerigroup, Molina, UnitedHealthcare) require $1,000,000 CSL plus $1,000,000 general liability and proof of workers compensation.
Critically. North and Central Texas (Dallas, Fort Worth, Austin, San Antonio) sit in the most active hail belt in the US. A single storm can damage an entire fleet. Comprehensive coverage with low deductibles is strongly recommended.
Most managed care plans now require $500,000 to $1,000,000 in abuse and molestation coverage, especially for transporting minors, behavioral health patients, or memory care residents.
Most carriers can issue policies and certificates within 24–72 hours of receiving a complete application. New ventures should expect 7–14 days for full HHSC and broker enrollment.
Specialized Texas markets including Houston, DFW, San Antonio, and Austin
Carriers familiar with HHSC, Superior, Amerigroup, and MTM contract requirements
Hail and hurricane-resistant comprehensive coverage options
New venture programs available for first-time NEMT operators
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 Texas Medicaid contracting, broker requirements, and the unique risks of medical transportation.