Ohio Medicaid Home Health Insurance Requirements
Getting Ohio Medicaid certification (or staying certified) requires specific insurance limits that go beyond what ODH asks for. Here's what Ohio Department of Medicaid actually wants to see on your declarations page.
ODH licensure vs ODM Medicaid certification
Two different state agencies, two different insurance standards. **ODH** (Ohio Department of Health) handles your home health agency license. **ODM** (Ohio Department of Medicaid) handles whether you can bill Medicaid for your services. Most home health agencies serve a mix of Medicare, Medicaid, and private pay — so they must satisfy BOTH agencies' requirements.
ODM insurance minimums (typical)
Most current Ohio Medicaid waiver provider agreements require:
• Professional Liability: $1M per occurrence, $3M aggregate (higher than ODH baseline) • General Liability: $1M per occurrence, $2M aggregate • Auto Liability (incl. HNOA): $1M combined single limit • Workers Compensation: Ohio BWC coverage in good standing • Skilled Nursing Bond / Dishonesty Bond: per ODH baseline
Some MCO subcontracts add Cyber Liability requirements ($1M+) due to HIPAA.
Common compliance gaps
Three things ODM auditors flag most often:
1. **HNOA missing** — caregivers driving personal cars to client homes without commercial endorsement 2. **Workers Comp lapsed** — Ohio BWC certificate not maintained or lapsed during audit period 3. **Additional insured wording missing** — MCO requires being named as additional insured on your GL/Auto
We handle the filings
Noah Insurance Agency LLC works with Ohio Medicaid-certified home health agencies daily. Send us your current ODM provider agreement and we'll quote a policy that satisfies every requirement on it. Call 814-718-0060.
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