MN PCA agency bonds.
$1,000 flat.

A personal care assistance (PCA) provider agency whose prior-year Medicaid revenue exceeded $300,000 files a $100,000 surety bond with the Department of Human Services. Ours is $1,000 flat, set by our carrier for this bond, identical for every agency — and the application has no credit section; most applications approve instantly.

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Required at the higher-revenue PCA tier — prior-year Medicaid revenue over $300,000

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Fixed amount, fixed price — $100,000 bond, $1,000, no quote process

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No credit section in the application — most applications approve instantly

A-ratedA.M. Best carriersInstantunderwriting process1–3 yrterms available

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How it works

Three steps. One sitting.

Your PCA enrollment is waiting on this bond. Here's the entire process:

NOW · ONLINE

Apply online

Business details and an effective date. That's the application — no financials, no credit section, no follow-up scavenger hunt.

MINUTES, USUALLY

Pay & e-sign

Fixed-amount enrollment bonds like this are among the thousands of bond types that issue right after purchase. At most, 1–2 business days.

SAME DAY

File with DHS

Your executed bond arrives by email on the DHS surety bond form, ready to file with your PCA provider agency enrollment. Wet-ink original mailed on request.

About this bond

What it is and who needs it.

What the bond actually guarantees

Minnesota's Department of Human Services conditions PCA provider agency enrollment on a surety bond under Minn. Stat. 256B.0659, subd. 21. The $100,000 amount is the higher-revenue tier — it applies once your prior-year Medicaid revenue exceeds $300,000. The bond secures your compliance with the program rules and the legal obligations arising from your conduct as a PCA provider agency.

It's a three-party arrangement: you (the principal), the surety carrier, and the State of Minnesota (the obligee). If an agency violates the program rules or fails to repay amounts owed, DHS can recover against the bond — including the costs and fees of pursuing the claim.

It is not insurance for you — if the surety pays a claim, you repay the surety. Agencies at or below $300,000 in prior-year Medicaid revenue post the lower $50,000 bond instead, which we also write. The bond must be renewed annually.

Minn. Stat. 256B.0659, subd. 21Minnesota Statutes 256B.0659, subdivision 21, requires a personal care assistance provider agency to file a surety bond in a form approved by the commissioner — $100,000 when prior-year Medicaid revenue exceeded $300,000, and $50,000 on new enrollment or when prior-year Medicaid revenue was up to and including $300,000. The bond must be renewed annually and allow recovery of the costs and fees of pursuing a claim.

You need this bond if you're

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A higher-volume PCA agency — prior-year Medicaid revenue over $300,000

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Revalidating at the larger tier and DHS has stepped your bond up to $100,000

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Crossing the $300,000 threshold and replacing your $50,000 bond

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Operating multiple PCA lines whose combined Medicaid billing puts you over $300,000

One application, issued instantly.

These are the actual issuing fields — the application has no credit section, and most applications approve instantly.

Start the application →

FAQ

Common questions.

Do I pay the $100,000?No. You pay $1,000 — our carrier's flat price for this bond. The $100,000 is the surety's maximum liability to the state; it's not a deposit, and nobody holds your money.

Why is my bond $100,000 and not $50,000?DHS sets the PCA agency bond at $100,000 for agencies whose prior-year Medicaid revenue exceeded $300,000. New agencies and those at or below $300,000 post the $50,000 bond. Check your DHS notice — if you should be at the lower tier, we write that bond too.

Who requires this bond?The Minnesota Department of Human Services, under Minn. Stat. 256B.0659, subd. 21, as a condition of enrolling a personal care assistance provider agency in Minnesota Health Care Programs.

Is there a credit check?The application collects no credit information — most applications approve instantly. If a check ever runs, it's a soft pull that never affects your score.

When does it renew?The bond must be renewed annually for as long as your agency is enrolled. You can buy a 1, 2, or 3-year term; we send renewal notices 60 and 30 days out, with autopay available.

Related bonds

Other Minnesota bonds.

Finish your PCA enrollment today.

$1,000 flat, no credit review, bond often issued in the same sitting. Free until issued.

Start application

Your price$1,000

Apply now →