Medex is reshaping the NEMT industry with a groundbreaking insurance model. Learn how our group plan provides $1 Million coverage while addressing industry disparities and combating fraud.
Similar to rideshare insurance models, Medex coverage activates based on your trip status. Here's when each policy applies:
Driver is using vehicle for personal purposes. Not logged into dispatch.
Driver is logged in and available, waiting for a trip assignment.
Trip accepted. Driver is on the way to pick up the passenger.
Passenger picked up. Active medical transport in progress until drop-off.
Once a trip is accepted and you're en route to pickup, through passenger transport until trip completion, you're covered under the Medex Group Insurance Plan at $1 Million in coverage. This is when it matters most - when you have a contractual obligation to the passenger.
Medex Group Insurance is exclusively available to licensed NEMT transportation providers operating legitimate medical transport services.
You must use an approved NEMT trip/dispatch software for accurate trip tracking. This is essential for Pay As You Go billing and coverage verification. MedexOVA dispatch software or compatible third-party systems accepted.
AI dash cam integration (NEMT Vision) is a plus for enhanced safety monitoring. Some broker contracts will require camera systems - having cameras already installed positions you for more opportunities.
Bodily injury and property damage coverage
Or your state minimum requirement
You must carry valid insurance at all times. Medex Group Insurance supplements your existing coverage during active trips - it does not replace your base commercial auto and general liability policies.
Annual fee based on fleet size
25+ vehicles? Contact our enterprise team for custom onboarding and dedicated account management.
To qualify for $1 Million in coverage, have the following ready:
Historical claims data from your current insurer
As registered with your state
Minimum operational history required
Physical location of your operations
Your existing coverage provider
What you're paying today
VINs, year, make, model for each vehicle
We're not just offering insurance - we're transforming the NEMT industry.
Unequal access to transportation services has long plagued the NEMT sector. Medex has tailored its insurance plan to bridge this gap - ensuring affordability and accessibility for equitable NEMT services to all, regardless of socio-economic background.
High rates have been a major roadblock for NEMT providers. Medex dismantles this barrier with transparent, affordable group rates. By optimizing costs without compromising quality, we make proper insurance accessible to every provider.
Medex takes a proactive stance against FWA through rigorous monitoring, data analytics, and stringent protocols. By fostering a culture of accountability, we ensure every dollar spent contributes to genuine patient care.
This isn't just a business venture - it's a commitment to building a healthier, more inclusive future. By addressing disparities, reducing costs, and combating FWA, Medex paves the way for an industry that prioritizes patient well-being.
Join thousands of NEMT providers who are already saving with Medex Group Insurance. Sign up for your state's waitlist today.
No. Medex Group Insurance supplements your existing commercial auto and general liability policies. You must maintain valid coverage at all times. Medex activates specifically during active trips when you have a contractual obligation to passengers.
If you're logged into the app but haven't accepted a trip yet (Period 2), your own commercial insurance is primary. Medex coverage activates once you accept a trip and begins en route to pickup.
Loss runs help us assess risk and ensure we're building a responsible group pool. They show your claims history and help us offer the most competitive rates possible for the group.
Contact us directly to discuss your situation. While we typically require established operational history, we evaluate each application on its merits.
Yes, the onboarding fee is an annual fee that covers administrative costs, compliance verification, and maintaining your coverage within the group plan.