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How to start a home care agency in Indiana

Indiana requires a Personal Services Agency license from Indiana Department of Health (IDOH), Consumer Services and Health Care Regulation, Home and Community Based Care to operate a home care agency. Fee: $250.

Verified Oct 6, 2026Sources: state agencies, CMS and OIG

License required
YesPersonal Services Agency license
Application fee
$250
Processing time
—
Personal care / attendant care (hourly)
$8.59per 15 min · $34.36/hr
Organizations in the state
1,823NPPES, Sep 13, 2026
On this page
Licensing

Indiana home care agency license

Indiana requires a Personal Services Agency license from Indiana Department of Health (IDOH), Consumer Services and Health Care Regulation, Home and Community Based Care to operate a home care agency. Fee: $250.

License required
Yes
License
Personal Services Agency license
Fee
$250
Fee details
$250 non-refundable application fee (IC 16-27-4-6(d)), payable to the Indiana Department of Health by check, cashier's check or money order.
Renewal
Every year · License expires 1 year after issue (an initial license may be shorter to stagger dates); renewal fee $250. A change of ownership needs a new license and $250 fee.
Insurance and bonds
Agencies that provide lift services must carry liability insurance that covers lift services; no other insurance or bond amount is set in the chapter.
Survey and inspection
IDOH does not routinely inspect personal services agencies for licensing but may inspect on site at initial licensure, renewal or after a complaint. Requested documents must be produced within 24 hours.
Regulation
IC 16-27-4 (Licensure of Personal Services Agencies); 410 IAC 17-12-1 (TB testing)
How to apply

Steps to get licensed in Indiana

In order, as the licensing agency describes the process.

  1. Out-of-state agencies: register with the Indiana Secretary of State and open a branch office in Indiana
  2. Get an expanded criminal check or national background check on the applicant
  3. Prepare required policies: service plan, client satisfaction reviews every 76–104 days, client rights statement, complaint handling, TB testing, worker competency evaluation
  4. Submit the IDOH PSA application with the $250 fee
  5. IDOH issues the license once the application shows compliance on its face; it may inspect on site
  6. Renew every year; notify IDOH in writing at least 30 days before closing or selling
Documents

What you need to submit

4 documents listed by the licensing agency.

Document
IDOH application for license to operate a personal services agency
Secretary of State documentation
Expanded criminal check or national background check on the applicant
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Staffing

Staffing and training requirements

Staffing
  • A manager (who may designate others in writing) must be reachable for client calls 24 hours a day
  • Workers with direct client contact need a TB test, as for home health agency staff (410 IAC 17-12-1)
  • Branch offices must be owned by the parent and within 120 miles of it
Training
  • Before working unsupervised, each worker who does attendant care tasks must have competency evaluated for each task; train and re-evaluate where needed, with dated and signed records
  • No minimum training hours are set in the statute
Medicaid

Enrolling as a Indiana Medicaid provider

Program
Indiana Health Coverage Programs (IHCP) — Indiana Medicaid
Fiscal agent
Gainwell Technologies (IHCP fiscal agent for provider enrollment and revalidation)
Application fee
IHCP's Risk Category and Application Fee Matrix shows which specialties owe the fee. Proof of electronic payment (or of payment to Medicare or another state) must come with the application, and a separate fee is due for each service location at initial enrollment, revalidation and change of ownership. Federal rule (42 CFR 455.460): the state must collect the CMS application fee from institutional providers that are newly enrolling or re-enrolling; individual physicians and non-physician practitioners are exempt, as are providers already enrolled in (or that already paid the fee to) Medicare or another state's Medicaid/CHIP. CMS set the fee at $750 for calendar year 2026.
Fingerprinting
In Indiana, every individual with 5%+ ownership or control of a high-risk enrolling entity must finish Medicaid fingerprinting before the application is submitted, and the fingerprint confirmation number goes on the application. IHCP may assign a higher risk level than its matrix shows. Federal rule (42 CFR 455.434, 455.450(c)): providers the state places in the 'high' categorical risk level, and anyone owning 5% or more of such a provider, must submit fingerprints for a criminal background check.
Site visit
Federal rule (42 CFR 455.432, 455.450(b)-(c)): the state must do site visits before and after enrollment for providers in the 'moderate' or 'high' risk levels, and any enrolled provider must allow unannounced on-site inspections.
Revalidation
IHCP has said DME and home medical equipment providers (including pharmacies with DME/HME specialties) revalidate every three years and other specialties every five years. Due-date lists are published through December 2026, and revalidation is done in the IHCP Portal or by mail packet. Federal rule (42 CFR 455.414): every enrolled provider must be revalidated at least once every 5 years.

Full Indiana Medicaid enrollment guide →

Certificate of need

Does Indiana require a certificate of need?

CON program
Yes
Program
Certificate of Need for Comprehensive Care Health Facilities
Services covered
  • comprehensive care health facilities (nursing homes): new facilities, added beds, bed transfers and Medicaid certification of beds
Moratoria
Except as the CON chapter allows, comprehensive care beds may not be added or transferred, new comprehensive care facilities may not be built, and Medicaid certification of comprehensive care beds may not be added or transferred (IC 16-29-7-10). A CON may not be granted where the receiving county's comprehensive care occupancy is below 85% or would drop below 85%.

Indiana certificate of need details →

EVV

Electronic visit verification in Indiana

Model
hybrid
State vendor
Sandata
Services in scope
  • personal care
  • home health
Alternate EVV allowed
Yes

Indiana EVV requirements →

Labor

Indiana wage floor

State minimum wage
$7.25 an hour
Effective
2009-07-24
Scheduled increases
No scheduled change found in the official sources reviewed.
Rate pass-through
From 2025-07-01, for the Health and Wellness, TBI and PathWays for Aging 1915(c) waivers and Money Follows the Person, attendant care providers must spend at least 70% of the hourly rate on direct-service compensation, and structured family caregiving providers at least 60% of the daily rate on caregiver stipends and direct-service pay. Providers sign a compliance attestation and keep records for audit.
HCBS 80/20 rule
Federal baseline: 42 CFR 441.302(k) requires the state to show that each provider spends at least 80% of Medicaid payments for homemaker, home health aide and personal care services under 1915(c) waivers on direct care worker pay and benefits. Compliance starts 2030-07-09 (for managed care, the first rating period starting on or after that date); annual payment-adequacy reporting under 441.311(e) starts 2028-07-09. A state may set a lower share for state-defined small providers and exempt providers facing hardship, each only through a public notice-and-comment process. The eCFR text has not changed since 2024-07-09. No state-published 80/20 implementation step (small-provider criteria, hardship exemption or reporting guidance) was found for this state in the official sources reviewed.
Market

Indiana market size

Counts from federal public files: NPPES (active organization NPIs), CMS Care Compare and CMS Medicaid enrollment.

Personal care / in-home supportive care organizations — active organization NPIs (NPPES)
1,823 (as of Sep 13, 2026)
Total Medicaid and CHIP enrollment (latest reported month)
1,358,600 (as of Jun 1, 2026)
Rates

What Indiana Medicaid pays

Home care & personal care: published Indiana fee-for-service rates, each linked to its source.

ServiceCodeIndiana ratePer hourRank
Personal care / attendant care (hourly)Agency providerS5125$8.59per 15 min$34.3611 of 27
Homemaker / housekeeping helpAgency providerS5130$7.93per 15 min$31.724 of 9
Respite care (hourly)Agency providerS5150$3.50per 15 min$14.0038 of 38
Respite care (daily)Agency providerS5151$43.38per hour$43.38—
Adult day servicesClinical nurse specialistS5100$3.74per 15 min$14.96—

All Indiana Home care Medicaid rates, ranked →

Waivers

Indiana HCBS waivers

Medicaid home and community-based services programs that may pay for this service.

  • Adult 1915(i) programs — Adult Mental Health Habilitation (AMHH) and Behavioral and Primary Healthcare Coordination (BPHC) (1915(i))
  • Community Integration and Habilitation Waiver (1915(c))
  • Child Mental Health Wraparound (CMHW) (1915(i))
  • Family Supports Waiver (1915(c))
  • Health & Wellness Waiver (1915(c))
  • PathWays for Aging Waiver (1915(c))
  • Traumatic Brain Injury Waiver (1915(c))

Indiana waivers and waiting lists →

FAQ

Frequently asked questions

Do you need a license to start a home care agency in Indiana?

Indiana requires a Personal Services Agency license from Indiana Department of Health (IDOH), Consumer Services and Health Care Regulation, Home and Community Based Care to operate a home care agency. Fee: $250.

How much does a home care agency license cost in Indiana?

$250 Renewal: Every year · License expires 1 year after issue (an initial license may be shorter to stagger dates); renewal fee $250. A change of ownership needs a new license and $250 fee..

Does Indiana require a certificate of need for a home care agency?

Indiana has a certificate of need program covering: comprehensive care health facilities (nursing homes): new facilities, added beds, bed transfers and Medicaid certification of beds. Check whether your service is on that list.

How do you become a Medicaid provider in Indiana?

Enroll through IHCP Provider Healthcare Portal (IHCP Portal) (https://www.in.gov/medicaid/providers/business-transactions/ihcp-provider-healthcare-portal/), run by Gainwell Technologies (IHCP fiscal agent for provider enrollment and revalidation).

What does Indiana Medicaid pay a home care agency?

Indiana Medicaid pays $8.59 per 15 min for personal care / attendant care (hourly), effective Jan 1, 2026, ranking 11 of 27 states.