Pay As You Go insurance designed for NEMT. Only pay when your vehicles are on active trips. Save 30-50% compared to traditional premiums.
Average cost with Pay As You Go
Traditional flat premium
You're paying for a system designed for long-haul trucking, not healthcare transportation.
Traditional NEMT insurance charges flat monthly premiums regardless of how many trips you run. Slow month? You still pay full price.
Your vehicles sit parked 60% of the time, but you're paying insurance as if they're on the road 24/7.
Standard commercial auto policies don't understand NEMT. You end up over-insured in some areas, under-insured in others.
Scaling up or down? Traditional insurers lock you into annual contracts with penalties for changes.
See how much you could save by switching to Pay As You Go insurance.
See how much you could save
* Estimates based on $0.30/mile Pay As You Go rate vs $400/month traditional premium per vehicle. Actual rates may vary based on location, coverage, and claims history.
Simple, transparent, and designed for how NEMT actually operates.
Use MedexOVA software or give us read access to your existing dispatch system. We need to accurately track trip volume.
Our system monitors when your vehicles are on active trips. Coverage is only charged for miles driven with passengers.
Get a simple monthly invoice based on actual trip miles. No surprises, no paying for parked vehicles.
To ensure accurate trip tracking and fair pricing, providers must either use MedexOVA dispatch software or provide read-only API access to their existing dispatch system. This allows us to verify active trip miles and keep your costs as low as possible.
Everything you need to operate legally and safely, bundled into one simple policy.
When 20+ providers join in a state, we negotiate group rates that individual operators can't access.
Claims are spread across the group, keeping rates stable even if one member has an incident.
One policy, one invoice, one point of contact. No juggling multiple carriers.
Learn exactly how coverage works, what's required to join, onboarding fees by fleet size, and why Medex is revolutionizing NEMT insurance.
We need 20 providers per state to activate group coverage. Sign up to reserve your spot.
Insurance is regulated at the state level. We need a minimum pool size to negotiate group rates and spread risk effectively. Once we hit 20 providers in your state, we can bind coverage with our carrier partners.
You'll need to either adopt MedexOVA dispatch software or another compatible system. Accurate trip tracking is essential for Pay As You Go pricing - it's how we ensure you only pay for active trip miles.
Most providers save 30-50% compared to traditional premiums. Your exact savings depend on your trip patterns, but the less idle time your fleet has, the more you save.
Claims are handled through our streamlined process. Because we have real-time trip data, claim verification is faster and disputes are rare.
Yes. There are no long-term contracts. You can leave the group with 30 days notice, though we hope you won't want to once you see the savings.