MI home health agency Medicaid bonds.
Flat 3%. Enter your amount.

A home health agency that participates in Michigan Medicaid must file a surety bond under 42 CFR 441.16, naming the Michigan Department of Health and Human Services (MDHHS) as obligee. The federal floor is $50,000. We issue it at a flat 3% with one soft credit pull — enter your required amount and the premium updates.

Required under 42 CFR 441.16 for a Medicaid-participating home health agency
Names MDHHS as obligee — minimum $50,000, or more if your overpayment history requires
Soft credit pull only — never affects your score, and the rate stays 3% either way
Flat 3%of your bond amount$275minimum premiumSoft pullnever affects your score
Trusted by industry leaders
NYCEDC
BDG
Capital
McKinney
Terra
JLL
Triple Five
Georgetown
NYCEDC
BDG
Capital
McKinney
Terra
JLL
Triple Five
Georgetown
How it works

Three steps to filed.

Your Medicaid enrollment is waiting on this bond. Here is the whole process — no broker phone tag:

TODAY · 5 MINUTES

Apply once, online

Agency details, the bond amount your enrollment requires, and the effective date — plus a one-time consent to a soft credit pull. That is the application.

WITHIN 48 HOURS

Reviewed & approved

Most clear quickly; if underwriting needs anything, you hear from an underwriter within 48 hours. The credit check is a soft pull that never affects your score.

1–2 BUSINESS DAYS

E-sign & file with MDHHS

Receive the executed bond naming MDHHS as obligee, ready to furnish with your Medicaid provider enrollment or revalidation. Wet-ink originals mailed on request.

The whole pricing page.

Bond amount × 3% = your premium, one-time, $275 minimum. Enter your required amount and the premium updates.

$50,000 bond
$1,500
$75,000 bond
$2,250
$100,000 bond
$3,000
About this bond

What it is and who needs it.

What the home health bond actually covers

Under 42 CFR 441.16, every home health agency that participates in (or seeks to participate in) Medicaid must obtain a surety bond and furnish a copy to the Medicaid agency — in Michigan, the Department of Health and Human Services (MDHHS). The bond names the agency as principal, MDHHS as obligee, and the surety company as surety.

The bond guarantees that, on written demand by MDHHS, the surety will timely pay up to the bond amount for uncollected Medicaid overpayments determined during the term of the bond. The federal minimum is $50,000 per home health agency; MDHHS can require a higher amount based on your billing volume or overpayment history.

A home health agency operated by a federal, state, local, or tribal government may be exempt if it has had no uncollected overpayments in the prior five years. Whatever amount your enrollment requires, we issue the bond at a flat 3% with one soft credit pull — and if the surety pays a demand, you repay the surety.

42 CFR 441.16 (filed with MDHHS)42 CFR 441.16 requires each Medicaid-participating home health agency to obtain a surety bond naming the Medicaid agency (MDHHS in Michigan) as obligee, in an amount no less than $50,000 (or the greater of $50,000 and a state-specified amount tied to the agency's Medicaid payments). The surety must pay, on written demand, up to the bond amount for uncollected overpayments. Confirm your required amount with MDHHS provider enrollment.

You need this bond if you are

Enrolling a home health agency in Michigan Medicaid for the first time
Revalidating your Medicaid enrollment and MDHHS is asking for a current bond
Replacing a non-renewed bond to keep your home health agency in good standing
Increasing your bond amount because billing volume or overpayment history requires it

Five minutes. The whole thing.

These are the actual underwriting fields, including a one-time consent to a soft credit pull. Submit once and your bond is typically issued within 1–2 business days.

Start the application →
FAQs

Common questions.

If yours isn't here, the bond team can usually answer within the hour.

How much is the Michigan home health agency Medicaid bond? +
The premium is a flat 3% of the bond amount, with a $275 minimum. The bond amount itself starts at the federal minimum of $50,000 — so the premium starts at $1,500 — and rises if MDHHS requires a larger bond. Enter your amount and the quote updates.
Who is the obligee? +
The Michigan Department of Health and Human Services (MDHHS), as the state Medicaid agency. The bond names your home health agency as principal and MDHHS as obligee, per 42 CFR 441.16.
What does the bond guarantee? +
That, on written demand by MDHHS, the surety pays up to the bond amount for uncollected Medicaid overpayments determined during the bond term. If the surety pays, you repay the surety — it is not insurance for the agency.
Is there a credit check? +
Yes — one soft credit pull, which never affects your score. It informs approval, not price. The rate is a flat 3% either way: credit can affect whether we approve the bond, never what it costs.
Could my agency be exempt? +
Possibly. A home health agency operated by a federal, state, local, or tribal government may be exempt under 42 CFR 441.16 if it has had no uncollected overpayments in the preceding five years. Most private agencies are not exempt. Confirm with MDHHS.
Related bonds

Other New York bonds.

Home health Medicaid bond, on file fast.

Five-minute application, flat 3%, $275 minimum. Enter your required amount and file with MDHHS in 1–2 business days.

Your premium @ 3%$1,500
Apply now →