South Carolina DHHS Provider Insurance Requirements (Community Choices and HCBS)

What insurance does SCDHHS require?

SCDHHS is South Carolina’s Medicaid agency. Its Home and Community-Based Services division (formerly Community Long Term Care, or CLTC) runs waivers such as Community Choices and contracts with providers of personal care, attendant care, respite, adult day health and other in-home services. Each provider works under an SCDHHS contract and a Scope of Services that require liability and workers’ compensation insurance for the whole contract, on top of the state in-home care license, which sets its own insurance minimums.

Who must carry insurance: Every agency under an SCDHHS HCBS contract, including personal care, HASCI attendant, respite and case management providers, must carry the insurance in its contract.

The license minimum is $100,000 / $300,000. For comparison only, Georgia’s DBHDD, a different state agency, asks its providers for $1,000,000 per occurrence and $3,000,000 aggregate. “Failure to maintain the required insurance will result in termination of your contract.” Your signed SCDHHS contract sets the final terms.

Last checked November 4, 2026.

Other requirements to plan for

• An in-home care provider license from the SC Department of Public Health under S.C. Code 44-70-10, renewed every year. Unlicensed providers cannot enroll, and losing the license ends the contract.
• SLED criminal background checks for all employees before hire and at least every two years, with a 10-year statewide search.
• Driver’s license and driving record checks at hire and every two years for aides who transport participants.
• An office in a commercially zoned or unzoned area, an owner or administrator with at least three years of health care administrative experience, and RN or LPN supervisors licensed by the SC Board of Nursing.
• Electronic Visit Verification for aides.

SCDHHS provider checklist

The main steps, in order, with links to the official pages.

1. Get your in-home care provider license from the SC Department of Public Health Official page
2. Show $100,000 / $300,000 liability, indemnity and workers’ compensation with the license application Official page
3. Read the HCBS Provider Manual and the Scope of Services for your service Official page
4. Apply to become an SCDHHS provider and request an HCBS contract Official page
5. List SCDHHS, PO Box 8206, Columbia, SC 29202-8206, as certificate holder on all policies Official page
6. Keep insurance and license current; both are checked in compliance reviews Official page

Official documents and pages

• HCBS Provider Manual
• Scope of Services – Personal Care, HASCI Attendant, Respite (July 2025)
• Scope of Services – Case Management (July 2024)
• Become an SCDHHS provider
• SC Regulation 60-122, Standards for Licensing In-Home Care Providers

Coverage options for SCDHHS providers

Through BizInsure, home care agencies and caregivers can buy a Professional & General Liability package: general and professional liability in one policy, with limits of $1 million per claim and up to $3 million aggregate, and abuse & molestation coverage ($100,000 / $300,000) included. Your policy documents and certificate of insurance are emailed when you buy, and you can name SCDHHS as certificate holder. Check these limits against your SCDHHS agreement, then start a quote online or call 1-877-900-9998 to talk with a licensed agent, including about workers’ compensation.

Related guides

BizInsure (BizInsure LLC, California license 0H81929) is an independent licensed insurance agency and is not affiliated with or endorsed by South Carolina Department of Health and Human Services – Home and Community-Based Services. Requirements on this page were last checked on November 4, 2026 against the published documents linked above. They can change, so confirm the current version with the organization. Coverage is subject to the terms, conditions and exclusions of the policy and to underwriting approval.