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Medicaid Provider Surety Bond Requirements by State: A 2025 Guide
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Medicaid providers play a vital role in delivering healthcare to millions of Americans. But before you can begin billing Medicaid for services, many states require one essential component: a Medicaid Provider Surety Bond.
Whether you're opening a home health agency, pharmacy, or durable medical equipment (DME) company, understanding the bond requirements by state is critical for compliance—and avoiding costly delays.
In this guide, we break down everything you need to know.
What Is a Medicaid Provider Surety Bond?
A Medicaid Provider Surety Bond is a financial guarantee required by the Centers for Medicare & Medicaid Services (CMS) or your state’s Medicaid agency. The bond ensures providers follow Medicaid rules, accurately bill for services, and repay overpayments or penalties if necessary.
If the provider commits fraud or billing violations, the government can file a claim on the bond to recover funds.
Do you prefer to talk to us instead? Call us and one of our surety experts will help you!
Who Needs a Medicaid Surety Bond?
While requirements vary by state, common provider types who may need a bond include:
- Home Health Agencies (HHAs)
- Durable Medical Equipment (DME) suppliers
- Non-emergency medical transportation providers (NEMT)
- Behavioral health clinics
- Pharmacies
- Personal care aides
Note: CMS requires a $50,000 bond for most DMEPOS suppliers billing Medicare Part B. But Medicaid bonds can be state-specific and vary widely.
Medicaid Provider Surety Bond Requirements by State
Below is an overview of state-specific Medicaid bond requirements as of 2025. We’ve included key thresholds, bond amounts, and provider categories where available.
| State | Required Bond Amount | Who Must Obtain It |
|---|---|---|
| California | $50,000 – $100,000+ | DME providers, HHAs, transportation |
| Texas | $50,000 (minimum) | DME, NEMT, behavioral health |
| Florida | $50,000 | All Medicaid providers (except exempt categories) |
| Illinois | $50,000 | HHA, DME, behavioral clinics |
| New York | Varies | Certain home health and pharmacy providers |
| Georgia | $25,000 – $100,000 | Based on billing volume |
| Louisiana | $50,000 | New DME and personal care providers |
| North Carolina | $50,000 | Required if past audit issues or revocation history |
| Nevada | $100,000 | Home health, behavioral health |
| Michigan | Varies | Providers flagged as "high-risk" |
Important: Always check with your state’s Medicaid agency or licensing board for updated bond requirements.
How Much Does a Medicaid Provider Surety Bond Cost?
The bond premium (your cost) is only a small percentage of the total bond amount—typically 1% to 5%, depending on:
- Credit score
- Business financials
- Prior claim history
- Bond size
Example:
If your state requires a $50,000 bond and you qualify for a 2% rate, you’ll pay just $1,000 annually.
Need a quote? Apply online for a Medicaid bond in minutes.
How to Obtain a Medicaid Provider Surety Bond
Getting bonded is simple when you work with the right surety partner. Here’s how the process works:
- Complete an application (business and financial info)
- Receive your bond quote
- Submit payment
- Receive your bond instantly or within 24 hours
- File it with your state Medicaid agency
We specialize in fast approvals—even for providers with non-perfect credit.
What Happens If You Don’t Have a Medicaid Bond?
Failing to secure a required Medicaid bond can result in:
- Denied provider enrollment
- Suspension or termination of billing privileges
- Civil penalties
- Delayed reimbursements
Avoid these risks by getting bonded upfront and staying compliant.
Final Thoughts: Get Your Medicaid Provider Surety Bond Today
Medicaid provider surety bond requirements are complex, state-specific, and subject to change. At Surety Bond Authority, we help healthcare providers across the U.S. stay compliant with fast, affordable bonding solutions.
Whether you’re starting your first home health agency or expanding your DME business, our expert team is ready to help.
Click below to get a free quote, or call us at (800) 333-7800 to speak with a bond specialist.