Medi-Cal is the largest Medicaid program in the United States — 14.6 million members, hundreds of contracted health plans, and dozens of NEMT brokers. Operating as a Medi-Cal NEMT contractor in California requires very specific insurance to qualify with the major Managed Care Plans (MCPs) and brokers.

Major California Medi-Cal Managed Care Plans

• L.A. Care Health Plan — 2.5M+ Los Angeles County members; largest publicly operated health plan in the US
• Health Net (Centene) — 17 California counties
• Anthem Blue Cross Medi-Cal — statewide
• Molina Healthcare of California — multi-county
• Inland Empire Health Plan (IEHP) — Riverside and San Bernardino counties
• CalOptima Health — Orange County
• Partnership HealthPlan — Northern California counties
• Kaiser Permanente — select counties

Major NEMT Brokers in California

• Modivcare — major broker for multiple Medi-Cal MCPs
• Access2Care (Global Medical Response) — Northern and Southern California
• MTM Inc. — manages NEMT for select plans

Insurance Required for Medi-Cal Contracting

• Insure Limos | Commercial Transport & Luxury Livery Insurance

  ,000,000 commercial auto liability (CSL) — meets all major MCP and broker requirements

• Insure Limos | Commercial Transport & Luxury Livery Insurance

  ,000,000 general liability

• Insure Limos | Commercial Transport & Luxury Livery Insurance

  ,000,000 professional liability (most plans)
• $500,000 to

  Insure Limos | Commercial Transport & Luxury Livery Insurance

  ,000,000 abuse and molestation coverage
• Workers compensation
• Hired and Non-Owned Auto endorsement
• Plan or broker named as additional insured on all policies

CPUC TCP Requirements (in addition to Medi-Cal)

Most California NEMT operators must hold a CPUC Transportation Charter Party (TCP) permit. CPUC TCP requires its own minimum liability:

• 1-7 passenger vehicles: $750,000 CSL
• 8-15 passenger vehicles:

  Insure Limos | Commercial Transport & Luxury Livery Insurance

  ,500,000 CSL
• 16+ passenger vehicles: $5,000,000 CSL

The good news: a

Insure Limos | Commercial Transport & Luxury Livery Insurance

,000,000 CSL policy typically satisfies both Medi-Cal MCP requirements and CPUC TCP for vehicles up to 7 passengers.

How Long Does Medi-Cal Insurance Approval Take?

Once you bind insurance, certificates can typically issue within 24 hours. Each MCP and broker has unique COI formatting and additional insured language. Plan approval after submitting COIs takes 30 to 90 days depending on the plan and broker.

Get Medi-Cal NEMT Insurance Today

We write Medi-Cal NEMT operators across California. Learn more about California NEMT insurance or request a quote. Call 888-254-0089.