Minnesota CFSS Agency Bond Guide
If you are enrolling in the Community First Services and Supports Agency program in Minnesota, you’ll need a $50,000 surety bond. Learn all about the bonding process with this guide.
Bond Overview
- Purpose: To guarantee CFSS agencies meet financial and legal requirements
- Who Needs It: All agencies enrolled in the Consumer First Services and Supports (CFSS) program
- Regulating Body: The Department of Human Services – Minnesota Health Care Programs (MHCP)
- Required Amount: $50k ($100k if over $300k in annual Medicaid payments)
- Premium Rates: 1.5–10% of the bond amount, credit-based
What Is a Minnesota Community First Services and Supports Agency Bond?
Community First Services and Supports (CFSS) is a health care program in Minnesota to offer flexible home healthcare and personal assistance.
The CFSS agency bond is required as a form of financial security for program enrollees to protect the state and clients from loss.
Is a CFSS Bond the Same as a PCA Agency Bond?
Prior to October 2024, this bond requirement was known as the Minnesota Health Care Programs Agency Bond or PCA Agency Bond.
The CFSS program replaced the PCA and all enrollees must transition to the CFSS program at renewal.
Existing personal and home healthcare agencies must transition and file a new CFSS agency bond form to renew enrollment.
How Much Do CFSS Agency Bonds Cost in Minnesota?
The standard $50,000 Community First Services and Supports Agency bond starts at $750. Pricing varies based on credit score.
If you billed more than $300,000 to Medicaid in the prior year, you’ll need a $100,000 CFSS bond which starts at $1,500.
Your exact premium rate will vary between 1% and 10% of the bond amount based on financial qualifications. Apply now to get your free quote.
SuretyBonds.com offers the lowest available rates from our nationwide provider network with no added fees.
How Does a Community First Services and Supports Agency Bond Work?
A Minnesota CFSS Agency bond binds three parties in a legal contract:
- Principal: The CFSS agency purchasing the bond
- Obligee: Minnesota Health Care Programs requiring the bond
- Surety: The provider issuing the bond
The principal is indemnified to the surety. This means if there are any valid claims on the bond, they will reimburse the surety for those expenses
Who Needs a CFSS Agency Bond?
A CFSS agency provides personal healthcare services including the following:
- Helping with daily living activities such as eating, bathing, grooming and driving
- Performing health-related tasks
- Assisting with daily tasks, such as shopping, cooking and laundry
- Observing and redirecting behavior
How Do I Get a CFSS Agency Bond in Minnesota?
Follow these basic steps to get your $50,000 CFSS Agency Bond:
- Request a quote
- Sign the surety indemnity agreement (all owners)
- Purchase bond online
We’ll mail you the physical bond documentation. Sign and submit the bond form to MHCP along with your other enrollment documents.
How Fast Can I Get My Bond?
SuretyBonds.com provides the fastest and easiest way to get a home healthcare or personal care agency bond in Minnesota.
If everything looks right, we’ll email your quote invoice and indemnity agreement within one business day or less. An account manager will contact you if any additional information is necessary.
Can I Get Bonded With Bad Credit?
Yes, we approve 99% of bond applicants. However, be aware that credit score may impact your premium rate.
See our Surety Bond Cost Guide to estimate how much you’ll pay.
How Do I Renew My Bond?
CFSS agency bonds expire annually. A SuretyBonds.com representative will contact you starting 90 days before the expiration date with a renewal invoice and instructions to file a new bond.
If your annual Medicaid billing exceeded $300,000, you’ll need to get a $100,000 bond rather than the standard $50,000 bond.
How to Get a CFSS License in Minnesota
Minnesota Health Care Programs oversees Community-First Services and Supports Agency enrollment. Each provider agency as well as every additional business location must apply.
Complete the following steps to apply:
- Attend a CFSS Steps for Success workshop (all owners and managing employees)
- Pay the application fee through the DHS’ online fee collection portal
- Purchase a $50,000 surety bond
- Purchase worker’s comp and liability insurance
- Purchase a $20,000 fidelity bond for each location
- Register and apply on the Minnesota Provider Screening and Enrollment (MPSE) portal
You’ll need to provide several other supporting documents within 30 days, such as:
- An organization chart
- A service delivery plan
- A marketing plan within 30 days
See the resources below for more enrollment details.
