Home health and home care agency insurance in Macomb County, Michigan

Coverage for Macomb County care providers

• Workers' compensation under Michigan's own classes: 8835 home health care, 9053 adult foster care and homes for the aged, 8829 hospice facilities, 8810 clerical
• General and professional liability at the limits your MI Choice, payer and referral contracts require
• Abuse and molestation coverage for in-home and residential care
• Hired and non-owned auto for caregivers driving to clients, plus employment practices liability

Workers' comp and wages in Macomb County

Michigan requires workers' comp once you regularly employ three people at one time, part-time staff included, or one person 35 or more hours a week for 13 weeks (MCL 418.115). Going without is a misdemeanor, and each day counts as a separate offense. Michigan doesn't allow local minimum wages (MCL 123.1385), so Mount Clemens employers pay the statewide $13.73 an hour in 2026, rising to $15.00 on January 1, 2027. Workers' comp is priced on payroll, so plan for the 2027 increase when you estimate next year's premium. Michigan rates are built from CAOM advisory pure premiums plus each carrier's own pricing, so quotes for the same agency can differ widely.

MI Choice and aging network contracts in Macomb County

Home and community-based care in Macomb County runs through AgeWays Nonprofit Senior Services (formerly Area Agency on Aging 1-B), headquartered in Southfield. MI Choice waiver agents serving the county are AgeWays and Easterseals/MORC, which is based in Clinton Township. Each waiver agent, hospital and referral partner sets its own insurance requirements for contracted providers, so check every contract for the liability limits and certificate wording it asks for.

Licensing rules that apply to you

Michigan doesn't license home health agencies or non-medical home care agencies at the state level. Hospices are licensed by LARA under Part 214 of the Public Health Code. Adult foster care homes are licensed by LARA under 1979 PA 218, and homes for the aged serve 21 or more residents aged 55 and older. Medicaid Home Help agencies must directly employ their caregivers, with no subcontracting.

Private-duty agencies and Medicaid contracts

Macomb County has a large base of local private-duty and home care providers around Clinton Township, Warren and Mount Clemens. Many mix private-pay clients with Medicaid Home Help or MI Choice work. Home Help agencies must directly employ their caregivers, with at least two caregivers besides the owner on payroll, which puts nearly every enrolled agency over Michigan's workers' comp threshold. We set up comp and liability that satisfies both your private clients' requests for certificates and your Medicaid contracts.