National NEMT insurance · A division of Thrive Risk Management CA License #6012320
(818) 356-8150 info@nemtinsurancepros.com
Georgia · Non-Emergency Transportation (NET)

Georgia NEMT insurance, built for Georgia Medicaid.

Coverage for Georgia NET providers through the April 1, 2026 transition to Verida as the single statewide broker — built for DPH certification, GCIC background checks, and Verida credentialing.

Get a Georgia Quote Call Direct
Structured for Verida (statewide from 4/1/2026); Modivcare exiting credentialing
~$100K GL baseline (secondary); Verida network limits + SAM apply in practice
Specialty & E&S markets that write GA livery risk

Request a Georgia NEMT Quote

Tell us about your operation. A licensed advisor responds — no spam, no call center.

By submitting you consent to be contacted by Thrive Risk Management regarding your quote. No obligation.

Home›Georgia NEMT Insurance
Georgia NEMT, in plain terms

Georgia is in the middle of the biggest broker change in its Medicaid transportation history. As of April 1, 2026, the state consolidates all five regions under a single statewide broker, and providers have to re-contract to keep serving members. If you run NET trips in Georgia, your credentialing — and the certificate that supports it — is changing right now. Here is what to know.

How Non-Emergency Transportation (NET) works in Georgia

Georgia’s Medicaid transportation benefit is Non-Emergency Transportation (NET), administered by the Department of Community Health (DCH) through a brokerage model. The state is divided into five regions — North, Atlanta, Central, East, and Southwest — that were historically split between brokers, with providers contracting to the broker holding their region.

The 2026 consolidation under Verida

The headline change for 2026 is consolidation to a single statewide broker:

  • Effective April 1, 2026, Verida becomes the single statewide broker for all five Georgia regions. Providers must contract with Verida to keep serving Georgia Medicaid members.
  • Modivcare exits the Central, Southwest, and East regions it previously held and no longer provides Georgia Medicaid NET as of that date.
  • Verida contracts a large national network of transportation providers and layers its own commercial-limit and SAM requirements on top of Georgia’s baselines.

Georgia licensing and what your insurance has to satisfy

Georgia routes NEMT certification through its Department of Public Health (DPH) — somewhat unusual, since many states use DOT or a utility commission — which oversees vehicle inspections, employee background checks, and safety-protocol audits. Drivers generally must be 21 or older (many brokers require 25+), hold the appropriate chauffeur/Class D or CDL license, and pass a Georgia Crime Information Center (GCIC) background check, MVR review, and drug screen.

Commonly cited Georgia baseline minimums run around $100,000 general liability with low split auto limits, but those are floors — Verida’s network requirements layer higher commercial auto limits and a SAM rider on top. Because every Georgia provider is re-credentialing with Verida in 2026, this is the moment to make sure your certificate names the new broker correctly and carries the limits Verida requires. We handle that re-issue so your enrollment doesn’t lapse in the transition.

Georgia NEMT — Frequently Asked

Questions Georgia operators ask.

Georgia is moving to Verida in 2026 — what do I need to do about insurance?
As of April 1, 2026, Verida becomes the single statewide broker for all five Georgia NET regions, and Modivcare exits the regions it held. Every provider has to contract with Verida to keep serving members — and that almost always means re-issuing your certificate of insurance to name Verida as additional insured and to meet Verida’s commercial auto and SAM requirements, which sit above Georgia’s baseline minimums. The risk in any broker transition is a credentialing gap that interrupts your trips and revenue. We re-cut your COIs to Verida’s requirements so your enrollment carries over cleanly.
Why does Georgia route NEMT through the Department of Public Health?
It’s a Georgia quirk: where many states put NEMT vehicle and operator oversight under a DOT or public utility commission, Georgia runs certification, vehicle inspections, employee background checks, and safety audits through the Department of Public Health (DPH), with driver background checks through the Georgia Crime Information Center (GCIC). For you it mostly affects compliance paperwork rather than coverage — but a documented DPH-compliant inspection and background-check program strengthens how we present your risk to carriers, which can help on eligibility and rate.
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)Florida · Statewide Medicaid Managed Care (SMMC) — NETNew York · Medicaid Transportation via MASPennsylvania · Medical Assistance Transportation Program (MATP)

Need a Georgia certificate that clears credentialing?

Tell us your vehicles, your broker, and your loss history — we’ll confirm we can write Georgia and structure the limits to match.

Get a Georgia Quote Call (818) 356-8150