Colorado Class B vs Class A: The Home Care License That Fits Personal Care

Colorado home care: your license class decides what you can do — and how fast you can bill Medicaid.

If you want to provide personal care in Colorado, one early choice shapes everything that follows: whether you license as Class A or Class B. Here's how to tell which one you need and who regulates each step.

Class B is for personal care

A Class B home care agency provides personal care only — help with bathing, dressing, meals, mobility, and everyday living — and may not provide skilled nursing. If you plan to add skilled care, you need a Class A license instead. Class B agencies are licensed by the Colorado Department of Public Health and Environment (CDPHE) under 6 CCR 1011-1, Chapter 26.

Carry the right insurance

Colorado sets minimum liability insurance by class. A Class B agency must carry at least $100,000 per occurrence and $300,000 aggregate. Confirm current limits before you bind a policy.

Then enroll with HCPF to bill Medicaid

Licensing and Medicaid are two different agencies. CDPHE issues your home care license; the Department of Health Care Policy and Financing (HCPF) runs Colorado Medicaid. You generally need your CDPHE license in place before completing Medicaid enrollment through HCPF.

Key takeaway: Choose the right license class first — Class B for personal care, Class A if you add skilled care — carry the required insurance, and enroll with HCPF to bill Medicaid.

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