Medicare & Medicaid Bond Guide

Why do you need a Medicare or Medicaid bond?

You need to obtain a bond to protect the public. If you do not follow the rules set by the Centers for Medicare & Medicaid Services (CMS), a claim can be filed on your bond. For example, if you are a medical equipment, prosthetics, orthotics and supplies (DMEPOS) provider and sell counterfeit medical equipment to patients, a claim can be made.

Top 5 Things You Need To Know


Frequent Questions

They are required of businesses that bill to Medicare/Medicaid such as DMEPOS (durable medical equipment, prosthetics, orthotics and supplies) suppliers and personal care agencies. The bonds are required by the Center for Medicare & Medicaid Services and can also be referred to as CMS bonds, DME bonds, DMEPOS bonds or patient trust bonds.

We have these forms on file. The obligee may provide you a copy. In this case, we recommend you confirm the form matches what we have with your agent prior to purchasing your bond.

That depends on where you operate your business. Most states do not have a DMEPOS bond requirement. However, legislation changes often so you will want to check to see if your state has a bond requirement. The federal bond requirements are in place nationwide.

As long as you operate in the field and maintain a license.

You must contact the claims department of the surety that wrote your bond. We can provide you the contact information if you need it.

Surety Bonds do not protect you

The bond is a form of insurance for your clients, which is why many businesses proudly list that they are bonded on their marketing material. However, you will be required to reimburse the bonding company should a claim be paid out.


Why you must avoid claims at all costs


Fidelity Bonds protect your business

You can protect your business from employee theft and fraud by purchasing a fidelity bond. You can read more in our fidelity bond section.

    Step 1: Select a state


    Step 2: Choose Your Bond

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Getting bonded can be intimidating. We can help you sort through it all! There are no dumb questions. Ask us whatever you need.

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