MN PCA agency bonds.
$500 flat.

Minnesota requires a personal care assistance (PCA) provider agency to file a $50,000 surety bond with the Department of Human Services to enroll in Minnesota Health Care Programs. Ours is $500 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 to enroll as a PCA provider agency in Minnesota Health Care Programs

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Fixed amount, fixed price — $50,000 bond, $500, 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 license 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. A PCA agency arranges personal care assistance services for people who need help with daily living — the bond secures your compliance with the program rules and any 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 to the state, DHS can recover against the bond — including the costs and fees of pursuing the claim.

The $50,000 amount applies on new enrollment, or when your prior-year Medicaid revenue was up to and including $300,000. Agencies over $300,000 post a $100,000 bond, which we also write. The bond must be renewed annually — we track it and notify you 60 and 30 days out.

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. The amount is $50,000 on new enrollment or when prior-year Medicaid revenue was up to and including $300,000, and $100,000 when prior-year Medicaid revenue exceeded $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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Enrolling a PCA provider agency in Minnesota Health Care Programs for the first time

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Re-enrolling or revalidating and DHS has asked for a current bond on file

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At or below $300,000 in MHCP revenue — the $50,000 tier

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Reinstating an agency after a lapse that reset your bond requirement

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 $50,000?No. You pay $500 — our carrier's flat price for this bond. The $50,000 is the surety's maximum liability to the state; it's not a deposit, and nobody holds your money.

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

Should I get the $50,000 or the $100,000 bond?The $50,000 bond applies on new enrollment or when your prior-year Medicaid revenue was up to and including $300,000. Over $300,000, DHS requires the $100,000 bond. Check your DHS notice, or send it to us and we will confirm.

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.

$500 flat, no credit review, bond often issued in the same sitting. Free until issued.

Start application

Your price$500

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