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Michigan home health agency Medicaid bonds.
From $1,000.

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. Pricing is 2% of the bond amount — your exact price appears at the application.

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Required under 42 CFR 441.16 for a Medicaid-participating home health agency
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Names MDHHS as obligee — minimum $50,000, or more if your overpayment history requires
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A quick soft credit check may apply — never a hard inquiry, no impact on your score, with pricing at 2% of the bond amount
2% rate$1,000 at the $50,000 minimumSoft pullnever a hard inquiryFastinstant underwriting for most
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New York City Economic Development Corporation (NYCEDC)
Blumenfeld Development Group (BDG)
Capital Development Partners
McKinney Properties
Terra Capital
JLL (Jones Lang LaSalle)
Triple Five Group
The Georgetown Company
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 · ONLINE

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.

RIGHT AWAY

Approved

Most are approved as soon as you apply. The credit check is a soft pull that never affects your score. If it needs a second look, one to two business days at most.

SAME DAY

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.

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 price the bond at 2% of the bond amount, with a quick soft credit check that never affects your score — 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

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

One application, issued instantly.

These are the actual underwriting fields, including a one-time consent to a soft credit pull. Submit once and your bond is issued when you pay.

Start the application →
FAQ

Common questions.

How much is the Michigan home health agency Medicaid bond?The premium is 2% of the bond amount. The bond amount itself starts at the federal minimum of $50,000 and rises if MDHHS requires a larger bond. Your exact price appears at the application.
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?A quick soft credit check may apply — it is never a hard inquiry and never affects your score. Pricing is 2% of the bond amount, regardless of the check.
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.
Which A-rated carriers underwrite these bonds?Typically Arch Insurance Company (A.M. Best A+) or Nationwide Mutual Insurance Company (A.M. Best A). Which one writes your bond depends on the bond type and your state. The carrier's name and official signature are printed on the bond you receive.
How do I contact Light RFP about this bond?Email insurance@lightrfp.com. It reaches the bond team at Light RFP Risk Management Services LLC (NY DFS License # PC-1978982). Write to us about quotes, applications, bond forms or certificates. We will respond within 24 hours.
Related bonds

Other Michigan bonds.

Home health Medicaid bond, on file fast.

Pricing from $1,000. Enter your required amount and file with MDHHS in 1–2 business days.

Your premiumfrom $1,000
Apply now →