Starting costs are only half the number. Broker claims take weeks to pay, so you also need cash to run on until they do. This adds both.
NEMT Startup Cost Calculator
The cash you need on day one, plus the runway to get through the months before broker payments catch up.
Adjust the one-time costs and monthly burn
Where the money goes
State rules decide a lot of this. Starting with one van walks through the order to do it in.
Get a demo with these numbersPrint or save as PDFEvery default here is an example. License fees, insurance minimums and vehicle prices vary by state and by broker contract. Estimates for planning only. Your contracts, routes and receipts decide the real number.
FAQ
How much does it cost to start an NEMT business?
At the defaults (2 vans, 2 months of runway), about $53,000. Paying cash for the vans instead of financing raises it sharply.
Why include runway?
Broker and Medicaid payments lag the trip. Most new operators run out of cash before they run out of trips.
Do costs vary by state?
A lot. License fees, insurance minimums and Medicaid enrollment rules differ. See the state guides.
Estimates for planning only. Bambi does not provide financial, legal or insurance advice.
