How to start a home care agency in Missouri

Missouri does not require a state license for a home care agency, according to Missouri Department of Health and Senior Services, Division of Senior and Disability Services (DSDS); MO HealthNet / Missouri Medicaid Audit and Compliance (MMAC) for contracts. Non-medical home care — no Missouri state license; Medicaid in-home service providers contract with DHSS/MMAC.

License required

No

License

In-home services provider contract / Medicaid personal care enrollment (Medicaid only; not a license)

Issuing agency

Missouri Department of Health and Senior Services, Division of Senior and Disability Services (DSDS); MO HealthNet / Missouri Medicaid Audit and Compliance (MMAC) for contracts

Insurance and bonds

Medicaid in-home service providers must carry commercial general liability insurance (occurrence policy) of at least $1 million per event and $3 million aggregate (19 CSR 15-7.021).

Regulation

RSMo 197.400–197.405 (home health agency licensure applies only to providers of two or more home health services under a plan of treatment); 19 CSR 15-7.021 (in-home service standards); 13 CSR 70-91.010 (personal care program)

Staffing

• Medicaid in-home providers: name a manager responsible for daily operations, who completes the free MMAC provider certification course (new managers within 6 months of hire) and attends MMAC update training every year
• Employee Disqualification List and criminal background checks for in-home workers under RSMo 192.2400–192.2505

Program

MO HealthNet (Missouri Medicaid, Department of Social Services)

Enrollment portal

MMAC online provider enrollment application / eMOMED

Fiscal agent

None named on the enrollment pages — Missouri Medicaid Audit & Compliance (MMAC) runs provider enrollment; eMOMED is the provider web portal

Application fee

MMAC charges new and revalidating institutional providers $750 (Missouri began collecting July 1, 2015). Proof of payment through the state's payment vendor must come with the application; providers that paid Medicare or another state within the past two years are exempt, and if CMS grants a hardship waiver MMAC refunds the fee. 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

Missouri requires two sets of fingerprints from every 5%+ owner of a high-risk provider, taken through MACHS/IDEMIA and checked by the FBI and Missouri State Highway Patrol; owners fingerprinted by Medicare or another state in the past two years are exempt. 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

MMAC has done pre- and post-enrollment site visits for new, re-enrolling and revalidating moderate- and high-risk providers since July 1, 2015, skipping them if Medicare or another state did one in the past two years. 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

MMAC revalidates every active provider at least every five years through eMOMED and rejects revalidations that lack required documents. Enrollment is deactivated if missing documents are not sent within 30 days of notice. Federal rule (42 CFR 455.414): every enrolled provider must be revalidated at least once every 5 years.

Full Missouri Medicaid enrollment guide →

CON program

Yes

Program

Certificate of Need

Agency

Missouri Health Facilities Review Committee, staffed by the Certificate of Need Program in the Missouri Department of Health and Senior Services

Services covered

• beds in long-term care facilities licensed under RSMo chapter 198 and hospital long-term care beds (expenditure minimum $600,000 capital / $400,000 major medical equipment)
• long-term care hospitals (no expenditure minimum)
• other health care facilities, new institutional health services and beds, including hospitals ($1,000,000 capital / $1,000,000 major medical equipment)

Missouri certificate of need details →

Model

open/provider choice

State vendor

Sandata (EVV Aggregator Solution only)

Services in scope

• personal care
• homemaker
• chore
• in-home respite
• consumer-directed personal care
• home health

Alternate EVV allowed

Yes

Program

https://dss.mo.gov/mhd/evv

Missouri EVV requirements →

State minimum wage

$15.00 an hour

Effective

2026-01-01

Scheduled increases

No inflation adjustment scheduled: HB 567 (2025) ended the CPI adjustments that were to start 2027-01-01, so $15.00 stays in place.

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.

Personal care / in-home supportive care organizations — active organization NPIs (NPPES)

1,818 (as of Sep 13, 2026)

Total Medicaid and CHIP enrollment (latest reported month)

1,243,023 (as of Jun 1, 2026)

All Missouri Home care Medicaid rates, ranked →

• Adult Day Care Waiver (1915(c))
• Aged and Disabled Waiver (1915(c))
• AIDS Waiver (1915(c))
• Brain Injury Waiver (1915(c))
• Complex Adult Waiver (1915(c))
• Division of Developmental Disabilities (DD) Community Support Waiver (1915(c))
• Developmental Disabilities (DD) Comprehensive Waiver (1915(c))
• Independent Living Waiver (1915(c))
• Children with Developmental Disabilities (MOCDD) Waiver (1915(c))
• Partnership for Hope Waiver (1915(c))
• Structured Family Caregiving Waiver (1915(c))

Missouri waivers and waiting lists →