The Georgia Department of Community Health describes the program in one sentence: the Non-Emergency Medical Transportation (NEMT) program provides eligible members transportation needed to get to their medical appointments. Everything about a provider’s insurance follows from what kind of trips those are.
Who rides
Eligibility has two gates, both set by the state. Members must have no other means of transportation available, and they may only access services covered under the Medicaid program. A NEMT trip is therefore not a taxi ride: it is a scheduled trip, for a covered service, for a member who has been verified as needing it. The Department lists gate keeping and verifying member’s need for NEMT among the broker’s duties, along with reserving and assigning trips.
What that means for the vehicle and the driver
Repeated, scheduled trips with passengers who may use a wheelchair or a stretcher describe a specific exposure. The commercial auto policy is written for passenger transport for hire, not for a delivery van or a personal vehicle. Wheelchair-equipped vehicles are listed as such. Drivers are listed by name, because the trip record and the driver list are both things a broker can ask to see.
Why the trip record and the certificate go together
The Department names assuring quality, overseeing administration and reporting as broker duties. A provider is, in practice, reporting to the broker on two documents: the trip record that shows the ride happened as assigned, and the certificate of insurance that shows the coverage was in force when it did. If a vehicle or a driver appears on one and not the other, that is the discrepancy a review will find.
The short version
Know the program’s own definition, match the policy to the trip profile it describes, and keep the vehicle and driver lists on the policy identical to the ones running trips. Metro Risk Management Group writes NEMT coverage from Atlanta for providers across Georgia. Source for every quotation above: Georgia Department of Community Health, Georgia Medicaid NEMT program page, read September 15, 2026.