Specialized non-emergency medical transportation coverage for Washington operators contracted with WA Apple Health NEMT managed through MCOs: Molina Healthcare WA, Coordinated Care (Centene), Amerigroup Washington, and Community Health Plan of Washington.
Washington state's Apple Health Medicaid program covers 2.5 million members across a diverse geography — from dense Seattle-Tacoma to rural eastern Washington. NEMT is managed through Apple Health MCOs and King County Metro's Access Transportation program for ADA paratransit. Seattle-Tacoma International Airport also generates a strong chauffeured transportation market. The Washington Utilities and Transportation Commission (UTC) regulates all for-hire commercial transportation.
Market Snapshot: Washington Apple Health covers 2.5 million members. King County alone accounts for over 500,000 Apple Health members and is served by one of the largest ADA paratransit programs in the country.
Washington Apple Health (Washington State Medicaid, managed through Managed Care Organizations)
$1,000,000 CSL for WA Apple Health MCO standard; UTC requires $300,000 minimum for commercial carriers
Included in CSL; WA requires PIP on commercial vehicles
$1,000,000 CSL standard for Apple Health MCO NEMT contracting
Important: WA Apple Health MCOs require $1M commercial auto, $1M general liability, abuse and molestation, and workers' comp. UTC authority required for all common carriers. King County Metro Access paratransit contracts may require $1M–$5M depending on contract size.
We write coverage for operators contracting with the largest brokers and Medicaid managed care plans in Washington:
Major Apple Health MCO statewide
Apple Health MCO serving King County and surrounding regions
Apple Health MCO in western Washington
Apple Health MCO with statewide coverage
ADA paratransit program contracting independent NEMT providers
Our team writes NEMT insurance across Washington. Here are the markets where we see the highest demand:
Knowing what claims happen most often in Washington helps you prevent losses and choose the right coverage:
WA Apple Health MCOs require $1M commercial auto CSL, $1M general liability, abuse and molestation, and workers' comp. UTC for-hire permit and authority are also required for all commercial transportation in Washington.
King County Metro Access typically requires $1M to $5M auto liability depending on the contract size, plus $1M general liability, workers' comp, and abuse and molestation. Contract requirements are specified in your RFP response and service agreement.
Seattle-area operators typically pay $7,000–$12,000 per vehicle per year. Eastern Washington is somewhat less expensive. ADA paratransit contracts requiring $5M limits cost proportionally more.
Experience with WA Apple Health MCO credentialing
King County Metro Access and paratransit contract specialists
UTC authority filing support
Programs for Seattle metro and Eastern WA
Same-day COIs for Molina, Coordinated Care, Amerigroup, and Community Health Plan
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 Washington Medicaid contracting, broker requirements, and the unique risks of medical transportation.