N.E.T. Worth
Purchasing insurance for Non Emergency Transportation (NET) companies can be complicated. Fortunately, we have written non emergency medical transportation insurance for years, and can guide you through the process.
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Typically, Non Emergency Transportation companies require some combination of the coverages listed below in order to transport patients for Medicaid or for a private medical facility:
- Auto Liability
- General Liability
- Worker’s Compensation
- Professional Liability
- Hired and Non-owned Auto Liability
- Abuse and Molestation Liability
- Assault and Battery Liability
Don’t get frustrated trying to do this by yourself! Creating the right Non Emergency Transportation Insurance policy takes some time and it can take a lot of work to do it correctly.
Recently, I read an email from a prospective client who asked me to give them a ballpark premium for Non Emergency Transportation insurance in Georgia. I thought to myself, “The answer is, that’s a great question!” Premiums on Non Emergency Transportation insurance vary vastly from one account to the next. I can tell you with all honesty that I have renewed two Non Emergency Transportation accounts this month: One is paying $4,000 per vehicle, the other is paying $11,000 per vehicle. They are both doing the exact same thing. The difference?
- Operating policies and procedures
- Hiring practices
- Vehicle maintenance procedures
- First Aid procedures
- Operators driving records
- Experience level of managers
- Claims history
Better Understand Non Emergency Transportation Costs
To give you an analogy, what they were asking is somewhat like walking into a doctor’s office and saying, “How’s my overall health?” The doctor would most likely respond, “Let’s get some vital statistics and run some tests and then I’ll be able to tell you.”
In order to get pricing for any Non Emergency Transportation client, I first need to get some of their company’s ‘vital statistics’. Obviously, the objective is to get them as close to the lowest end of the pricing spectrum as possible, but that depends on those factors I mentioned above.
In many states, Medicaid will only contract with one specific company, such as Logisticare or Southeast Trans in Georgia. Those companies subcontract out the Medicaid trips to the actual providers. All of these companies have different insurance requirements in their contracts in order to drive for them.
Similarly, private pay facilities (such as nursing homes) have similar requirements. We are happy to review the contract requirements while we are quoting your Non Emergency Transportation insurance, to make sure that it gets set up right the first time.
Our Insurance Agency’s Advantage
Our Insurance company builds relationships with our customers to best understand their risks and insurance needs.
If their are ways to save – we will find them.
The price you pay you can be confident is the cheapest price available because we have shopped your coverage with numerous insurance carriers.
With Southern States Insurance you get more than an insurance quote you get an insurance agent who works to see you succeed.
Why Choose Us?
- Quotes from numerous insurance carriers
- Personal agent relationship
- Available resources to minimize risks and cut costs
- Invested in your success
- In your communitty
How To Change Insurance Companies
Shocking, I know, but sometimes people just want to fire their insurance agent. It’s a sad realization that good insurance has become a rarity.
When an insurance policy holder wants to change insurance agents but keep the same carrier, they must provide the new agent with an Agent of Record letter. This grants the new agent legal authority to represent the policy holder with the same insurance carrier.
Most insurance carriers are legally bound not discuss a policy holder’s account with an insurance agent unless they are the agent of record. An Agent of Record letter gives the new agent rights to receive all communications on behalf of the policy holder.
How Do I Know I Have The Best Insurance?
Many people when shopping for the best insurance only use price as a factor of their decision. This is a very dangerous gauge of value.
Our Georgia insurance company believes you take many factors into consideration in attempt to find the best fit for you. Consider the following when shopping for insurance:
- Is the agent trustworthy?
- Is the agency personable?
- What level of care should you expect?
- What resources are available to you?
- What does the claims process look like?
Ask your prospective insurance agent these questions and learn what is the option fit for you.
What To Look For In An Insurance Agent
From our insurance agent’s experience relationships make all the difference. Be sure you consider your relationship when choosing an insurance agent.
How To Buy Insurance With Confidence
With anything, we feel most confident on our decision when we are most educated. Our agents want to help you understand your insurance needs and coverage options. You can shop your insurance on your own to learn what options exist or you can ask one of our agents to shop over 30 insurance carriers and return to you the results.
You have to know and understand what you are comparing to be confident in the product you are buying. We aren’t able to write insurance with EVERY carrier available to you and we recommend you compare our offer to carriers we don’t write with. We will do everything possible to provide you with the best insurance available, and if you aren’t satisfied you can explore the options for yourself and put us to the test.
When you buy insurance coverage through Southern States Insurance, you can be confident you are buying a good product.
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