Medical Transportation Insurance Reimagined

The First Pay-Per-Mile Insurance Program
Built Exclusively for NEMT Providers

Stop paying high annual insurance premiums regardless of utilization. Medex Insurance Group aligns insurance costs with actual transportation activity.

Up to $1,000,000 Transportation Coverage
No Large Annual Premium Deposits
Expand Your Fleet Without Massive Insurance Increases
Coverage Activated During Eligible Passenger Transport
Designed Specifically For NEMT Operations

Why Traditional NEMT Insurance Is Broken

Traditional Insurance

You pay:

  • Whether vehicles move or not
  • Whether trips are completed or not
  • Whether revenue is generated or not

Problems:

High annual premiums
Large down payments
Difficult fleet expansion
Limited flexibility

Medex Insurance Group

You pay based on transportation activity.

Insurance costs scale with revenue-generating operations.

This creates a more predictable and growth-friendly model for transportation providers.

How The Program Works

1

Maintain State Required Auto Insurance

All participating providers must maintain legally required automobile insurance coverage for their vehicles.

2

Enroll In Medex Insurance Group

Drivers and vehicles are verified through the Medex platform.

3

Transportation Coverage Activates

During approved transportation activity, Medex provides additional transportation coverage protection.

4

Mileage Is Automatically Tracked

Mileage reporting is integrated through approved dispatch and trip management systems.

5

Pay Based On Actual Activity

Insurance expenses align with transportation operations rather than fixed annual premiums.

Why This Model Works

Traditional Insurance Example

5 Vehicle Fleet

Annual Premium

$60,000

Required Down Payment

$15,000+

Coverage Cost Exists Even When Vehicles Are Idle

Medex Insurance Group Example

5 Vehicle Fleet

No Large Upfront Premium
Costs Scale With Actual Transportation Activity
Easier Fleet Growth
Better Cash Flow Management

Custom Transportation Risk Pricing

Rates are determined by:

StateFleet SizeClaims HistoryVehicle TypesTransportation VolumeSafety Performance

What Makes Medex Different

Most insurance companies only see claims.

Medex sees:

Driver Activity
Vehicle Utilization
Compliance Status
Trip Completion
Safety Data
Transportation Trends

Because Medex operates within the NEMT industry, we can create insurance solutions designed specifically for transportation providers.

Coverage Benefits

Transportation Coverage

Additional transportation liability protection during eligible passenger transport.

Fleet Growth Friendly

Add vehicles without facing large annual premium increases.

Driver Monitoring

Integrated compliance and credential verification.

Claims Management

Streamlined reporting and documentation processes.

Risk Analytics

Visibility into operational risk factors.

Founding Provider Program

Launching State By State

To ensure stable pricing and strong program reserves, Medex Insurance Group launches coverage in phases.

Founding Provider Benefits

Priority Enrollment
Reduced Startup Costs
Locked Founding Status
Early Access To New Features
Dedicated Support

Limited provider positions available in each market.

Savings Calculator

See how activity-based insurance could benefit your operation.

Your Fleet Details

5
$60,000
500
15,000

Estimated Annual Savings

$9,000

Up to 15% reduction

Improved Cash Flow

$15,000

No large down payment required

Potential Fleet Expansion Capacity

+1 vehicles

With savings reinvested

Frequently Asked Questions

Reserve Your Market Position