Why Indiana Offers Solid NEMTNEMT — Non-Emergency Medical TransportationTransportation services for Medicaid beneficiaries and other patients who need to get to and from medical appointments but do not require emergency ambulance…View in glossary → Opportunity

Indiana's MedicaidMedicaidThe joint federal-state health insurance program for low-income individuals. Medicaid is the primary payer for NEMT services. Each state administers its own…View in glossary → program — the Indiana Health Coverage Programs (IHCPIHCPIndiana Health Coverage Programs — Indiana's Medicaid program administered by FSSA. Includes Traditional Medicaid, Hoosier Healthwise, Hoosier Care Connect,…View in glossary →) — is administered by the Family and Social Services Administration (FSSAFSSAFamily and Social Services Administration — Indiana state agency that administers Medicaid (IHCP), child welfare, aging services, and disability programs.View in glossary →). With approximately 1.8 million Medicaid members across programs including Hoosier HealthwiseHoosier HealthwiseIndiana's CHIP managed care program providing healthcare coverage for children up to age 19 and pregnant individuals. NEMT is a carved-in MCO benefit.View in glossary →, Hoosier Care Connect, Healthy Indiana Plan (HIP), and PathWays for Aging, Indiana generates consistent NEMT demand statewide.

Indiana uses a hybrid model: fee-for-service members are brokered through a statewide broker, while managed care members receive NEMT through their MCOMCO — Managed Care OrganizationA health insurance company that contracts with a state Medicaid agency to manage benefits for enrolled members. Many states use MCOs to administer NEMT…View in glossary →'s designated contractor. Understanding this split is essential for maximizing your trip volume.

Understanding Indiana's NEMT Model

Fee-for-Service (FFS) Members: NEMT is brokered through VeridaVeridaA minority-owned NEMT management company (formerly Southeastrans), headquartered in Villa Rica, Georgia. As of April 1, 2026, Verida is the sole NEMT broker…View in glossary → (formerly SoutheastransSoutheastransA major NEMT transportation broker operating in Georgia (now part of Verida). Southeastrans coordinates Medicaid NEMT services in several of Georgia's five…View in glossary →). Providers must enroll as IHCP providers AND contract with Verida to receive FFS trip assignments.

Managed Care Members: Members in Hoosier Healthwise, Hoosier Care Connect, HIP, and PathWays for Aging receive NEMT through their managed care entity's (MCE's) designated transportation contractor. Each MCE has its own broker — contact the MCE directly to enroll.

PathWays for Aging: As of July 1, 2024, Medicaid members age 60+ enrolled in PathWays must schedule rides through their health plan, not through the FFS broker.

ALS/BLS Exemption: Advanced and Basic Life Support ambulance services are exempt from the FFS brokerage requirement as of July 1, 2023, and can be arranged directly with the transportation provider.

Member eligibility and broker routing is verified through the IHCP Provider Healthcare Portal.

Step 1: Form Your Business Entity

File with the Indiana Secretary of State. LLCLLC — Limited Liability CompanyThe most common business structure for NEMT startups. An LLC protects your personal assets from business debts and lawsuits while offering flexible tax…View in glossary → filing fee is $95 online. Biennial reports cost $31 (due every two years). One of the most affordable states for business formation. Register with the Indiana Department of Revenue.

Step 2: Enroll as an IHCP Provider

You must be enrolled as an IHCP Transportation Provider (Provider Type 26) through the Indiana Medicaid Provider Enrollment Portal. This is your baseline credentialing with the state Medicaid system — required before you can contract with any broker.

Required documentation includes business formation documents, EINEIN — Employer Identification NumberA 9-digit tax identification number assigned by the IRS for business entities. Required for opening business bank accounts, filing taxes, and hiring employees.…View in glossary →, insurance certificates, vehicle information, driver credentials, and FSSA-required attestations.

Step 3: Contract with Verida (FFS Broker)

After IHCP enrollment, contract with Verida to join their statewide NEMT network. Verida provides free mobile technology devices to contracted providers for GPS tracking and dispatch integration. Their proprietary NET Insight platform tracks vehicle locations and ETAs for dispatchers and members.

Verida reviews provider applications based on network needs and service area gaps. Having ADAADA — Americans with Disabilities ActFederal civil rights law requiring transportation providers to accommodate passengers with disabilities. For NEMT, this means wheelchair-accessible vehicles,…View in glossary →-accessible vehicles (wheelchair vans, stretcher) increases your likelihood of acceptance.

Step 4: Enroll with MCE Transportation Contractors

To capture managed care trips, contact each MCE's transportation department. Indiana's MCEs include Anthem (Hoosier Healthwise), MDwise, CareSource, Managed Health Services, and UnitedHealthcare. Each has its own NEMT contractor — enrolling with multiple MCE brokers expands your trip pool significantly.

Step 5: Vehicle and Driver Requirements

Drivers

Valid Indiana driver's license, clean driving record, CPR/First Aid certification, defensive driving training, wheelchair securement training, criminal background screening, and drug testing clearance. HIPAAHIPAA — Health Insurance Portability and Accountability ActFederal law that protects the privacy and security of patient health information (PHI). NEMT providers handle PHI including passenger names, addresses, medical…View in glossary → awareness training required.

Vehicles

Indiana DOT and ADA accessibility compliance, state safety inspection, commercial auto insuranceCommercial Auto InsuranceLiability insurance covering vehicles used for business purposes. NEMT providers typically need 0,000 to commercial auto insurance,500,000 in commercial auto liability coverage…View in glossary →, company signage, first aid kit, fire extinguisher, functioning seatbelts, clean and well-maintained condition. Wheelchair vans need functioning lifts/ramps and four-point securement systems.

Step 6: Insurance and Billing

Insurance: Commercial auto liability ($1M+ CSL typical), general liability, workers' compensation (required by IN law for 3+ employees). Budget $7,000–$11,000 per vehicle.

Billing: FFS trips are billed through Verida. Managed care trips are billed through the respective MCE's broker. Use HCPCSHCPCS — Healthcare Common Procedure Coding SystemThe standardized medical coding system used for Medicare and Medicaid billing. NEMT providers use codes T2001–T2005 for per-trip billing and A0130 for…View in glossary → transportation codes on CMSCMS — Centers for Medicare and Medicaid ServicesThe federal agency that administers Medicare, Medicaid, and the Health Insurance Marketplace. CMS sets national guidelines that state Medicaid programs must…View in glossary → 1500 forms. Maintain GPS-verified trip logs with member signatures.

Geographic Strategy

Indianapolis Metro: Highest volume market — major hospitals (IU Health, Community Health, Eskenazi), strong dialysis center concentration.

Fort Wayne: Second-largest city with growing healthcare infrastructure and moderate competition.

South Bend/Elkhart: Northern Indiana corridor with aging population and consistent demand.

Evansville: Southern Indiana hub serving tri-state area (IN/KY/IL border).

Rural Indiana: Limited providers across central and southern counties create opportunity for reliable operators.

Timeline

Weeks 1–2: Form LLC ($95), EIN, state tax registration. Weeks 2–5: IHCP Provider Type 26 enrollment, vehicle acquisition, insurance. Weeks 5–8: Contract with Verida and MCE brokers. Weeks 8–10: Vehicle inspections, technology setup, first trips.

Plan for 8–10 weeks from formation to first trip.

Key Contacts

Indiana FSSA/IHCP: in.gov/medicaid — provider enrollment and program information.

Verida (FFS Broker): verida.com — Indiana provider enrollment.

IN Secretary of State: in.gov/sos — business formation.

Ready to Launch?

Indiana's affordable formation costs and clear enrollment pathway make it accessible for new NEMT operators. Our complete Indiana NEMT Startup Package covers IHCP enrollment, Verida contracting, MCE broker enrollment for all five managed care plans, and financial projections.