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Pennsylvania · Medical Assistance Transportation Program (MATP)

Pennsylvania NEMT insurance, built for Pennsylvania Medical Assistance.

Coverage for Pennsylvania MATP providers — built for the county-administered program, PA PUC Class B/C/D motor-carrier rules, and Act 33/34 clearances, across all 67 counties.

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Structured for No statewide broker; county/regional administrators (e.g. rabbittransit) credentialing
Set by PUC certificate conditions (52 Pa. Code) + county program; varies by class/county
Specialty & E&S markets that write PA livery risk

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Pennsylvania NEMT, in plain terms

Pennsylvania runs one of the most decentralized Medicaid transportation models in the country. Instead of a statewide broker, the benefit is administered county by county across all 67 counties, with vehicle authority coming from the Public Utility Commission. If you run MATP trips, your requirements come from your county program and the PUC — not a single state contract. Here is how it works.

How the Medical Assistance Transportation Program (MATP) works

Pennsylvania’s Medicaid transportation benefit is the Medical Assistance Transportation Program (MATP), overseen by the Department of Human Services (DHS) and carved out of managed care. It is distinctively county-administered: DHS funds MATP in all 67 counties, and each county — or a regional transit authority acting for several counties, such as rabbittransit across roughly eleven counties — runs its own program as a local fee-for-service operation. MATP leans on shared-ride service (minibus, van, public bus, taxi, and volunteer drivers), fixed-route passes, and mileage reimbursement, so the trip model is different from the dedicated-broker approach used elsewhere.

No statewide broker — and PUC motor-carrier authority

Pennsylvania has repeatedly studied moving to a statewide or regional brokerage and has so far declined to award one, so there is no single broker credentialing you. Instead your requirements come from two places:

  • PA Public Utility Commission (PUC): motor carriers register by class (Class B, C, or D depending on the service), and proof of insurance must be filed with the PUC, generally within 60 days of approval, under 52 Pa. Code §§32.11–32.15.
  • County MATP approval: each county program assigns a vendor number and sets its own provider requirements.
  • Act 33/34 clearances: Pennsylvania-specific child-abuse and criminal-history clearances for drivers, alongside CPR/First Aid and wheelchair-securement training.

What your insurance has to satisfy in Pennsylvania

Because there is no statewide broker, the binding for-hire limits come from your PUC certificate conditions (the proof of insurance you file under 52 Pa. Code) layered with each county MATP program’s vendor requirements — so the exact number can vary by county and PUC class rather than a single statewide figure. We structure commercial auto, general liability, SAM, and workers’ comp to satisfy your PUC class and file proof correctly, and we keep the coverage aligned with the county programs you’re approved in.

Pennsylvania NEMT — Frequently Asked

Questions Pennsylvania operators ask.

There’s no statewide broker in Pennsylvania — who sets my insurance requirements?
Two sources. First, the Pennsylvania Public Utility Commission: you register as a motor carrier by class (Class B, C, or D) and must file proof of insurance with the PUC, generally within 60 days of approval, under 52 Pa. Code. Second, each county MATP program you’re approved in, which assigns a vendor number and can set its own requirements. Because Pennsylvania has declined to award a statewide brokerage, there’s no single credentialing standard — so the exact limits can differ by county and PUC class. We structure to your PUC class and the counties you serve and make sure the PUC filing is correct.
What are Act 33/34 clearances and do they affect coverage?
Act 33 and Act 34 are Pennsylvania’s child-abuse and criminal-history clearances, required for MATP drivers along with CPR/First Aid and securement training. They’re a driver-qualification requirement, not an insurance policy, but they matter to your risk profile: a documented driver-vetting and training program is exactly what underwriters look for, and several carriers credit it. We factor your clearance and training program into how we present the risk, which can help on both eligibility and rate in a market where many operators can’t document their driver controls.
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 MASGeorgia · Non-Emergency Transportation (NET)

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