How to start a NEMT business in Indiana: brokers, IHCP enrollment, and rates
Indiana splits Medicaid rides by coverage. Verida brokers fee-for-service members statewide, and each managed care plan uses WellTrans or LCP Transportation. Every provider enrolls with the Indiana Health Coverage Programs (IHCP) as provider type 26 before any broker will contract. For-profit carriers also need passenger authority from the Department of Revenue, and most need a $50,000 surety bond.
Indiana NEMT at a glance
- Runs the program
- Indiana Family and Social Services Administration (FSSA), Office of Medicaid Policy and Planning
- Program
- Indiana Health Coverage Programs (IHCP) nonemergency medical transportation
- How rides are arranged
- Health plans each contract a broker. Managed care plans route rides through WellTrans or LCP Transportation. Verida brokers fee-for-service members statewide.
- Brokers you will contract with
- Verida, WellTrans, LCP Transportation
- State operating license
- No NEMT license. IHCP enrollment as provider type 26, plus a DOR Certificate of Public Convenience and Necessity or USDOT authority for for-profit carriers.
- EVV for NEMT trips
- Not required
- Medicaid enrollment
- 1,261,723 (May 2026, Medicaid only)
On this page
How Medicaid NEMT works in Indiana
FSSA's Office of Medicaid Policy and Planning runs the Indiana Health Coverage Programs. Transportation must be the least expensive type that meets the member's medical needs, the member must be in the vehicle, and the ride is covered only when no free option (the member's own car, family, a volunteer group) is available (405 IAC 5-30-1).
Coverage decides the broker. Members in fee-for-service Medicaid book through Verida, which contracts providers statewide, pays clean claims submitted by Wednesday within 14 days, and bases its rates on the IHCP Professional Fee Schedule. Verida members book at least two business days ahead and can ask for a preferred provider, as long as that provider is IHCP-enrolled and contracted with Verida. Members in the Healthy Indiana Plan, Hoosier Healthwise, Hoosier Care Connect, and Indiana PathWays for Aging ride through their plan's broker: WellTrans or LCP Transportation.
Some trips never go through a broker. Fee-for-service members who need basic or advanced life support, or a stretcher, schedule directly with an enrolled ambulance provider, and all hospital-to-hospital transports are scheduled directly too. Since July 1, 2023, nursing facilities arrange and pay for most of their residents' nonemergency trips out of their per diem.
Governing rule:IHCP provider reference module: Transportation Services
Who brokers Medicaid rides in Indiana
Three brokers cover nearly every Indiana Medicaid trip. Which one pays you depends on the member's coverage, so a fleet serving a mixed population needs contracts with all three to take every trip. The IHCP Professional Fee Schedule sets the fee-for-service rates and serves as the minimum rate for every managed care plan.
| Broker | Serves | Provider sign-up |
|---|---|---|
| Verida | Fee-for-service (Traditional Medicaid) members statewide. Formerly Southeastrans. | Provider pageProvider lines: north 765-602-6004, south 317-931-9294 |
| WellTrans | Anthem, CareSource, and MHS members in the Healthy Indiana Plan and Hoosier Healthwise; Anthem and MHS in Hoosier Care Connect; Anthem in PathWays. | Provider pageProvider relations 317-435-0830 |
| LCP Transportation | UnitedHealthcare in Hoosier Care Connect and PathWays; Humana in PathWays.Since July 1, 2024 (PathWays). | Provider page |
MDwise left the Healthy Indiana Plan and Hoosier Healthwise on January 1, 2026, and its broker, Modivcare, stopped providing rides for those members. Former MDwise members now ride through WellTrans with Anthem, CareSource, or MHS.
PathWays for Aging started July 1, 2024 for Hoosiers 60 and older. Verida no longer handles those members. Their rides go through WellTrans (Anthem) or LCP Transportation (Humana and UnitedHealthcare).
Family members and close associates can enroll as specialty 266 drivers for the members they are designated to drive and receive mileage only. The county Division of Family Resources office authorizes those trips.
How to become a NEMT provider in Indiana
Indiana is enrollment first. IHCP will not pay and the brokers will not contract until you hold an IHCP Provider ID as a type 26 transportation provider.
Form the business
Register with the Indiana Secretary of State and get a federal EIN. IHCP requires transportation providers to serve the general public and to have transportation as their primary business. Non-ambulance transportation providers are atypical providers, so they bill with their IHCP Provider ID and do not need an NPI.
Get passenger authority
For-profit carriers need a Certificate of Public Convenience and Necessity from the Department of Revenue under IC 8-2.1-22 (or USDOT authority for interstate work). The application fee is $100, processing takes 30 to 60 days, and you cannot carry passengers until it is granted. After approval you have 60 days to file proof of insurance (Form E) and a tariff. Authority renews every year by November 30.
Buy the surety bond
Taxi, common carrier, TNC, and broker fleet specialties need an Indiana surety bond of at least $50,000 that lasts at least three years. 501(c)(3) nonprofits are exempt, as are carriers owned by a hospital, a licensed pharmacy, or a professional licensed by the Indiana Professional Licensing Agency. FSSA can also waive the bond for providers in underserved areas.
Enroll with IHCP as provider type 26
Pick specialty 264 (common carrier, ambulatory), 265 (common carrier, nonambulatory), or 263 (taxi). Upload your DOR certificate or USDOT registration, insurance, surety bond, and a driver's license for every driver, and list each driver's name, Social Security number, and date of birth. Taxi and common carrier enrollments are high risk at initial enrollment, which means the $750 application fee for 2026, an unannounced site visit, and fingerprint checks for every owner with 5 percent or more. Revalidation comes at least every five years.
Contract with Verida
Submit Verida's Request for Qualifications and Vehicle List Form. Verida contracts only where it needs capacity, then asks for your business license, insurance, and driver background checks, drug screens, and driving records. New providers must finish credentialing within 60 days of signing the provider agreement.
Contract with the plan brokers
Apply to WellTrans for Anthem, CareSource, and MHS members and to LCP Transportation for UnitedHealthcare and Humana members. LCP's July 2026 checklist starts with your IHCP enrollment letter and provider profile, then asks for insurance naming LCP as additional insured, driver and vehicle logs, self-inspections with video, and E-Verify, OIG, and SAM reports for every employee.
LCP Transportation: New vendor credentialing checklist (July 2026)
Vehicle and driver requirements in Indiana
Indiana's state rules focus on enrollment paperwork and billing records. The brokers set most driver screening and training standards.
Vehicles
| Requirement | State rule | Broker contract |
|---|---|---|
| Operating authority | DOR Certificate of Public Convenience and Necessity (IC 8-2.1-22) or USDOT authority for for-profit carriers. Taxis need a local taxi license and cannot transport outside the jurisdiction it covers. | Proof of authority at credentialing. LCP asks for the certificate or a taxi license. |
| Vehicle type | Ambulatory trips may use any vehicle but bill at the ambulatory rate. Wheelchair van rates apply only when the member travels in a wheelchair. | Vehicle list with registration and proof of insurance for each vehicle. |
| Inspections | No NEMT vehicle inspection in the IHCP rules. | LCP requires self-inspections on a detailed checklist with video documentation. |
| Trip records | A driver's ticket for every trip: member name, ID, and signature, full pickup and destination addresses, driver name, odometer or mapping-software mileage on the shortest route, wait start and stop times, and any attendant's name and signature. | Trips and claims run through each broker's portal. Verida uses a Trip Leg ID for each scheduled leg. |
Drivers
| Requirement | State rule | Broker contract |
|---|---|---|
| License | A copy of a valid driver's license for every driver, filed with the IHCP enrollment. | Copy of license plus a motor vehicle report. LCP requires the report to be less than 6 months old. |
| Background checks | Fingerprint checks for owners with 5 percent or more at high-risk enrollment, scored against IHCP's published criminal history criteria for transportation providers. | National criminal background check and sex offender registry check for drivers. LCP requires checks less than 6 months old. |
| Drug testing | Providers attest to having a process for handling any violation of a state drug law. | Drug screens for owners and drivers. LCP requires a 10-panel screen less than 6 months old. |
| Driving history | Providers attest they can give IHCP each driver's driving history on request. | Motor vehicle record at credentialing and on the broker's recheck schedule. |
| Training | None in the IHCP rules. | First Aid and CPR, PASS passenger assistance training, and wheelchair securement training (LCP). LCP also collects HIPAA, fraud, waste, and abuse, and code of conduct documentation for every employee. |
Insurance minimums in Indiana
Indiana ties insurance to your operating authority. The Department of Revenue sets the carrier minimum, IHCP sets a floor for nonprofits, and the brokers add general liability terms.
| Coverage | Minimum | Set by |
|---|---|---|
| For-profit passenger carriers, 15 passengers or fewer | $1,500,000 commercial bodily injury and property damage | Indiana DOR passenger authority (IC 8-2.1-22) |
| For-profit passenger carriers, 16 passengers or more | $5,000,000 commercial bodily injury and property damage | Indiana DOR passenger authority (IC 8-2.1-22) |
| Nonprofit taxi, common carrier, or TNC providers | $1,500,000 combined single limit commercial auto liability | IHCP Provider Enrollment module |
| Surety bond | $50,000, lasting at least three years (nonprofits and some others exempt) | IHCP Provider Enrollment module |
| Verida contract | Carriers rated A- or better, general liability showing $1 million SAM coverage with a $2 million aggregate, and auto liability covering all owned, hired, and non-owned vehicles | Broker contract |
| LCP Transportation contract | LCP named as additional insured with 30 days' notice of cancellation, plus a workers compensation clearance certificate if not covered on the policy | Broker contract |
Does Indiana require EVV for NEMT?
No. Indiana requires electronic visit verification for personal care services and home health services, as the federal Cures Act directs. Nonemergency transportation is not on that list.
Indiana checks trips through paperwork instead. Every claim needs a driver's ticket with the member's signature, odometer or mapping-software mileage, and wait start and stop times, and providers that cannot produce it risk recoupment. Brokers add their own portal records, and Verida ties each claim to a Trip Leg ID.
What changed in Indiana in 2025 and 2026
Indiana Medicaid covered 1,261,723 people in May 2026, plus 116,642 children in CHIP, according to CMS preliminary monthly data. Enrollment has been falling: CMS's updated counts show 1,412,073 in December 2025 and 1,300,537 in April 2026.
Fee-for-service rates rose on January 1, 2026, when IHCP moved its professional fee schedule to 100 percent of the prior year's Medicare rates. An ambulatory trip (T2003) pays $12.71 and a wheelchair van trip (A0130) pays $31.79. Mileage (A0425 with U3 or U5) pays $1.67 per loaded mile, but only on trips over 10 miles, and IHCP deducts the first 10 miles. Waiting time pays $7.43 per half hour after the first 30 minutes, and only on trips of 50 miles or more one way.
The next update is set. From January 1, 2027, T2003 pays $13.08 and A0130 pays $32.71. IHCP says its fee schedule also serves as the minimum rate for its managed care plans.
Two changes affect who you contract with. MDwise left the Healthy Indiana Plan and Hoosier Healthwise on January 1, 2026, which ended Modivcare's role there and moved those members to WellTrans. And under a June 2026 bulletin, providers that were high risk at initial enrollment, which includes taxi and common carrier NEMT providers, face accelerated revalidation over the following two years.
Nursing facilities take over most nonemergency trips for their residents. Fee-for-service ALS, BLS, and stretcher trips are scheduled directly with ambulance providers instead of through Verida.
Indiana PathWays for Aging launches. Its members ride through WellTrans (Anthem) or LCP Transportation (Humana and UnitedHealthcare) instead of Verida.
IHCP tells providers to use the XE modifier for multiple trips on one date of service and orders plans to reprocess denied claims back to January 1, 2025.
IHCP announces MDwise will leave the Healthy Indiana Plan and Hoosier Healthwise.
MDwise exits and Modivcare stops serving its members, who now ride through WellTrans. New fee schedule: T2003 $12.71, A0130 $31.79, mileage $1.67.
IHCP announces accelerated revalidation over two years for providers that were high risk at initial enrollment.
New fee schedule takes effect: T2003 $13.08, A0130 $32.71.
Frequently asked questions
- Who is the Medicaid transportation broker in Indiana?
- It depends on the member's coverage. Verida brokers fee-for-service (Traditional Medicaid) members statewide. WellTrans serves Anthem, CareSource, and MHS members in the Healthy Indiana Plan and Hoosier Healthwise, plus Anthem and MHS in Hoosier Care Connect and Anthem in PathWays. LCP Transportation serves UnitedHealthcare and Humana members in Hoosier Care Connect and PathWays.
- Do I need a license to start a NEMT business in Indiana?
- Indiana has no NEMT license. A for-profit company carrying passengers for hire needs a Certificate of Public Convenience and Necessity from the Department of Revenue ($100 application, 30 to 60 days) or USDOT authority. To bill Medicaid you also enroll with IHCP as a type 26 transportation provider and contract with the brokers.
- How do I enroll as an Indiana Medicaid transportation provider?
- Enroll with IHCP as provider type 26, usually specialty 264 (ambulatory) or 265 (wheelchair). Upload your passenger authority, insurance, a $50,000 surety bond, and every driver's license, and list each driver's name, Social Security number, and date of birth. Pay the $750 application fee for 2026 and expect a site visit and owner fingerprinting. Then contract with Verida and the plan brokers.
- Does an Indiana NEMT company need an NPI?
- No. IHCP treats non-ambulance transportation providers as atypical providers. They bill with the IHCP Provider ID they receive at enrollment instead of an NPI. Ambulance providers do need one.
- What insurance does an Indiana NEMT provider need?
- For-profit passenger carriers need $1.5 million in commercial bodily injury and property damage coverage for vehicles carrying 15 or fewer passengers, and $5 million for 16 or more, filed with the Department of Revenue. Nonprofits need a $1.5 million combined single limit to enroll. Verida also asks for general liability with a $2 million aggregate and carriers rated A- or better.
- How much does Indiana Medicaid pay for NEMT?
- From January 1, 2026, the fee-for-service schedule pays $12.71 for an ambulatory trip (T2003) and $31.79 for a wheelchair van trip (A0130), plus $1.67 per loaded mile on trips over 10 miles, after the first 10. On January 1, 2027 the two trip rates rise to $13.08 and $32.71. Plan brokers set their own contract rates. IHCP says the fee schedule also serves as the minimum rate for its managed care plans.
- Does Indiana require EVV for NEMT?
- No. Indiana EVV covers personal care services and home health services. NEMT providers document each trip on a driver's ticket with the member's signature, mileage, and wait times, and bill through the broker's portal.
- What happened to MDwise and Modivcare in Indiana?
- MDwise stopped being a Healthy Indiana Plan and Hoosier Healthwise option on January 1, 2026, and Modivcare stopped providing NEMT for MDwise at the same time. Former MDwise members picked or were assigned Anthem, CareSource, or MHS, and all three use WellTrans.
- Who arranges NEMT for nursing home residents in Indiana?
- The nursing facility. Since July 1, 2023, nursing facilities coordinate and pay for their residents' nonemergency trips out of the per diem, except ALS and BLS ambulance trips, which the facility books directly with an enrolled ambulance provider.
Running NEMT in Indiana with HealthRide
An Indiana fleet working all three brokers runs three trip feeds and three sets of rates. HealthRide keeps every trip on one dispatch board and records every payment in one ledger, whichever broker it came from.
The driver app records timestamps, GPS-recorded miles, wait times, and on-screen signatures on every leg, and the trip log exports as CSV or PDF when a broker or IHCP asks for trip records.
Official resources
- IHCP: Nonemergency medical transportation
- IHCP provider reference module: Transportation Services
- IHCP provider reference module: Provider Enrollment (September 2026)
- IHCP: Provider enrollment application fee
- IHCP: Provider enrollment risk levels and screening
- IHCP: Provider enrollment risk category and application fee matrix
- IHCP: Fee schedules
- IHCP: NEMT 2027 fee schedule preview
- IHCP: Professional Fee Schedule with cutbacks
- Indiana Medicaid: Managed care health plans
- Indiana Medicaid: Health plan comparisons (HIP, Hoosier Healthwise, Hoosier Care Connect)
- Indiana PathWays for Aging: Health plan comparison
- IHCP Bulletin BT202493: Transportation changes with the launch of PathWays
- IHCP Bulletin BT2025119: Updates to transportation billing guidelines
- IHCP Bulletin BT2025156: Professional Fee Schedule changes for 2026
- IHCP Bulletin BT2025157: MDwise to end participation in HIP and Hoosier Healthwise
- IHCP Bulletin BT202608: HIP and Hoosier Healthwise NEMT broker changes
- IHCP Bulletin BT202694: Accelerated revalidation plan
- IHCP Bulletin BT2026143: Professional Fee Schedule changes for 2027
- 405 IAC 5-30-1: Transportation reimbursement restrictions
- Indiana DOR: Intrastate operating authority for passengers
- IHCP: Electronic Visit Verification
- CMS: Medicaid and CHIP monthly enrollment data
- Verida: Indiana transportation providers
- WellTrans: Provider information
- WellTrans: Anthem members
- LCP Transportation: Transportation provider network
- LCP Transportation: New vendor credentialing checklist (July 2026)
HealthRide plans the whole day in one click and bills every ride.
$59 per vehicle per month. No contracts.