National NEMT insurance · A division of Thrive Risk Management CA License #6012320
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Florida · Statewide Medicaid Managed Care (SMMC) — NET

Florida NEMT insurance, built for Florida Medicaid.

Coverage for Florida NET providers under the new 2025–2030 SMMC 3.0 contracts — built for Level 2 driver screening, the three driver tiers, and Modivcare, MTM, and Access2Care credentialing.

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Structured for Modivcare, MTM, Access2Care (by plan) credentialing
~$300K state/county floor (to $1M by county); $1M–$1.5M CSL via brokers
Specialty & E&S markets that write FL livery risk

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Florida NEMT, in plain terms

Florida just reset its entire Medicaid managed-care landscape. The 2025–2030 SMMC 3.0 contracts redrew the regions, changed the plan lineup, and carry Non-Emergency Transportation as a managed-care benefit. If you run NET trips in Florida, your broker, your region, and your driver-tier requirements may all be new. Here is what that means for your coverage.

How NET works under Statewide Medicaid Managed Care

Florida administers Medicaid through the Agency for Health Care Administration (AHCA) under the Statewide Medicaid Managed Care (SMMC) program, and Non-Emergency Transportation (NET) is carved into managed care — the health plans are responsible and contract with NEMT brokers. The new SMMC 3.0 contracts run 2025–2030: under SB 1950, Florida realigned from 11 regions to 9 effective 2025, with 8 managed-care plans covering roughly 3 million recipients. SMMC 3.0 took effect February 1, 2025, and AHCA publishes a NET Timeliness Report to monitor transportation performance — an unusually public oversight mechanism.

Florida’s three driver tiers and Level 2 screening

Florida classifies NEMT drivers into three tiers, each with progressively more training, and applies a fingerprint-based background standard:

  • Driver tiers: Ambulatory Transport Driver (ATD), Wheelchair Transport Driver, and Stretcher/Ambulette Driver — the higher tiers carry more training (including PASS) and more exposure.
  • Level 2 background screening: fingerprint-based screening through FDLE and the national FBI database under §435.03, drivers 21 or older, valid Florida license, with annual re-screening.
  • Vehicle operation is governed by Fla. Stat. §316.87, with for-hire registration and chauffeur requirements that vary by county.

What your insurance has to satisfy in Florida

State and county enrollment minimums for commercial auto commonly start around $300,000 and reach $1,000,000 at the county level, but the contracted brokers operating through the SMMC plans — Modivcare, MTM, and Access2Care among them — generally layer on $1M–$1.5M CSL commercial auto, $1M/$2M general liability, workers’ comp, and a SAM rider. Because the region and plan map changed under SMMC 3.0, the broker you credential with may be different from your last contract cycle; we structure the program to the current plan and broker for your region.

Florida NEMT — Frequently Asked

Questions Florida operators ask.

How did SMMC 3.0 change things for NET providers?
The 2025–2030 SMMC 3.0 contracts redrew Florida from 11 Medicaid regions to 9, changed the managed-care plan lineup to 8 plans, and took effect February 1, 2025. Because NET is delivered through those plans’ contracted brokers, the practical effect for a transportation provider is that your region, your plan, and the broker you credential with may all have changed — which usually means re-issuing your certificate of insurance to the right broker with the right limits. We confirm the current plan/broker for your region and structure the coverage to match.
Do Florida’s three driver tiers change my coverage?
They change your exposure, which is what underwriters price. An ambulatory-only operation looks different from one running wheelchair or stretcher/ambulette trips, where the lifting, securement, and medical-fragility exposure is higher — and the higher tiers often draw stricter broker requirements, including SAM and equipment coverage. We rate and structure your program around the tiers you actually operate, so you’re neither underinsured on stretcher work nor overpaying for exposure you don’t carry.
Why won’t my regular commercial auto policy cover NEMT?
Standard personal and most standard commercial fleet policies specifically exclude “for-hire livery” — carrying passengers for payment. NEMT is a livery operation, so insurers treat it as a separate, higher-risk class that needs a for-hire passenger endorsement on a commercial auto policy. On top of the exclusion, NEMT carries exposures most standard carriers avoid: medically fragile passengers, constant high-mileage use, and loading/unloading assistance. As a result, much of the market is written through specialty and Excess & Surplus (E&S) carriers. Running NEMT on a standard policy risks a denied claim and won’t satisfy Medicaid or broker credentialing requirements.
What insurance do brokers like Modivcare, MTM, and Verida require?
Requirements vary by broker and by state contract, but a typical credentialing stack is commercial auto liability, general liability, sexual abuse & molestation (SAM) coverage, and workers’ compensation if you have employees. Many state Medicaid programs and brokers treat $1M combined single limit (CSL) as the practical floor for auto — some networks require $1.5M — and they often require CSL language rather than split limits, plus continuous (no-lapse) coverage and a certificate naming the broker as additional insured. We confirm the exact limits in your broker’s current provider manual and build the certificate to match.
Other States

NEMT insurance in other states.

California · Medi-Cal NEMT & NMTTexas · Medical Transportation Program (MTP)New York · Medicaid Transportation via MASPennsylvania · Medical Assistance Transportation Program (MATP)Georgia · Non-Emergency Transportation (NET)

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