Insurance & Reimbursement Guide

Pay LumityCare directly — then often get money back.

We’re private-pay because direct insurance billing for non-emergency medical transport is complicated and unreliable. But four common reimbursement paths cover NEMT for many of our clients. This page walks through each one, what your LumityCare receipt provides, and how to file a claim.

Quick Reality Check

What we can — and can’t — promise.

We provide a clean, itemized receipt with everything your plan or program needs. We don’t bill your insurance or submit the claim for you, and we can’t guarantee any specific plan will reimburse. What we can promise: the four paths below cover non-emergency medical transport for many of our clients, and the legwork is usually straightforward once you know which one applies.

Four Reimbursement Paths

Find yours below.

Most of our clients fall into at least one of these. Some fall into two or three — in which case, pick the easiest to claim first.

Medicare Advantage transport benefit

Who qualifies: Anyone enrolled in a Medicare Advantage (Part C) plan that includes a supplemental NEMT benefit. Most major MA plans added or expanded this benefit after 2019 CMS rule changes.

  • Typically 24–60 one-way trips per plan year (varies widely)
  • Usually medical appointments only — not pharmacy or social trips
  • Mileage limits often apply (e.g., 25–50 miles each way)
  • Some plans require pre-authorization or a contracted broker

Verify: Call your plan’s member services or check your Evidence of Coverage. Ask: “Does my plan reimburse for out-of-network medical transport with an itemized receipt?”

HSA / FSA accounts

Who qualifies: Anyone with a Health Savings Account or Flexible Spending Account through their employer or a private HDHP. Medical transport is an IRS-eligible expense under Publication 502.

  • Full ride cost (base + mileage + wait time + ramp fees) typically covered
  • Transportation “primarily for and essential to medical care” qualifies
  • Use your HSA/FSA debit card at booking, or pay then file for reimbursement
  • Caregiver ride-along ($15) usually qualifies if for the patient’s benefit

Verify: Most HSA/FSA administrators accept itemized receipts with date, service description, and amount. Check your plan’s portal for the submission process.

Long-term care insurance

Who qualifies: Policyholders of long-term care insurance whose policy includes a transportation or “ancillary services” benefit. Common in comprehensive LTC policies issued by Genworth, John Hancock, Mutual of Omaha, and others.

  • Often covers transport to medical appointments, dialysis, therapy
  • May require a daily or monthly benefit-cap calculation
  • Some policies require activation (e.g., licensed care assessment)
  • Combines well with caregiver benefits already being claimed

Verify: Read your policy’s “covered services” section or call the claims line. Ask: “Is non-emergency medical transport a reimbursable ancillary service under my policy?”

VA Beneficiary Travel Program

Who qualifies: Eligible veterans traveling to or from VA-authorized medical care. Eligibility depends on service-connected status, income, and travel distance.

  • Mileage reimbursement to VA-authorized appointments
  • Special Mode Transportation (SMT) for veterans unable to use standard transport
  • Travel to non-VA care can qualify if pre-authorized
  • Claim through the VA Travel Pay portal (BTSSS) within 30 days of the appointment

Verify: Talk to the Beneficiary Travel office at your VA medical center, or check va.gov/health-care/get-reimbursed-for-travel-pay/.

What We Give You

Every ride generates a receipt like this.

Emailed the same day. Includes everything your plan administrator typically asks for: dates, addresses, mileage, itemized charges, service description, and our business details.

LumityCare Medical Transport LLC (224) 531-8011 · info@lumitycare.com
Greater Chicagoland Area, IL
Receipt #LC-2026-0428 May 14, 2026
Billed To
Margaret Hill (rider)
Booked by Karen Hill
Trip
Pickup: 1842 Maple Ave, Evanston, IL 60201 · 9:45 AM
Drop-off: Northwestern Memorial Hospital, 251 E Huron St, Chicago, IL 60611 · 10:18 AM
Return: Same-day, 11:50 AM → 12:24 PM
Service Detail Amount
Ambulatory transport (round-trip) Base rate × 2 $110.00
Mileage 26.4 mi total @ $3.00/mi $79.20
Wait time 15 min (after 10-min grace) $20.00
Door-to-door assistance Included $0.00
Total paid $209.20

Service description for claim: Non-emergency medical transport (NEMT) — round-trip, ambulatory, to and from a scheduled outpatient medical appointment. Provider: LumityCare Medical Transport LLC, EIN available on request. Payment received in full.

The above is a sample. Real receipts include your exact ride details and arrive by email within hours of drop-off.

How to Claim

Three steps from receipt to reimbursement.

The path varies a bit by reimbursement source, but the rhythm is the same. Most reimbursements arrive within 2–6 weeks of filing.

  1. 1

    Take the ride, get the receipt

    We email an itemized receipt within hours of drop-off. Save it (a PDF copy is ideal) — you’ll attach it to whatever claim form your plan uses.

  2. 2

    Submit to your plan or program

    HSA/FSA: upload through your benefit administrator’s portal. MA plan: call member services or use the plan’s reimbursement form. LTC: claims line. VA: BTSSS travel pay portal.

  3. 3

    Track reimbursement

    Most reimbursements land within 2–6 weeks. If your plan denies the claim, ask why in writing — sometimes it’s a missing field, and the appeal is simple.

Other Paths Worth A Quick Look

Less common, but real money for the right situations.

Medical-expense tax deduction

If you itemize on Schedule A and your unreimbursed medical expenses exceed 7.5% of AGI, transport to medical care is deductible. Save every receipt year-round — it adds up for recurring dialysis or treatment riders.

Disease-specific charity programs

American Cancer Society’s Road to Recovery, kidney foundation transport grants, and other condition-specific programs sometimes cover transport for eligible patients. Ask your treatment center’s social worker.

Employer wellness benefits

Some employers offer caregiver-leave stipends or family medical benefits that include qualified medical transport. Check with your HR or benefits team if you’re paying for a parent’s care.

Questions about your specific plan?

We can’t give insurance advice, but we’re happy to walk through exactly what our receipt includes and answer questions about what to ask your plan administrator. No pressure.

Call (224) 531-8011 Email Us