How Do You Start a Home Health Agency in Kentucky in 2026?

What Is a Home Health Agency in Kentucky?

In Kentucky, a home health agency is a clinical provider that delivers part-time or intermittent health and health-related services to patients in their places of residence under an authorized plan of care. Kentucky's home health regulation requires the agency to provide part-time or intermittent skilled nursing plus at least one additional category of service, such as physical therapy, speech therapy, occupational therapy, medical social services, or home health aide services.

Kentucky law also ties the statutory definition of a home health agency to both state licensure and participation under Title XVIII of the Social Security Act. That makes Medicare certification more than an optional marketing decision in the way many founders assume when they first research the business model.

The core Kentucky licensing rule is 902 KAR 20:081. License procedures and fees are addressed in 902 KAR 20:008.

Should You Start a Home Health Agency or a Personal Services Agency in Kentucky?

This is the first decision to make because Kentucky regulates these models differently.

If the business will primarily provide companionship, homemaking, personal assistance, errands, non-medical support, or similar services, review Kentucky's personal services agency rule, 906 KAR 1:180, instead of assuming that a home health agency license is required.

CarePolicy.US also has separate Kentucky resources for founders pursuing non-medical care: How to Start a Home Care Business in Kentucky and How to Start a Non-Medical Home Care Business in Kentucky.

What Changed for Kentucky Home Health Startups in 2026?

Several 2026 developments materially affect a new Kentucky home health agency.

• Kentucky's current State Health Plan is the January 2026 update. Certificate of Need decisions are evaluated against the current plan and current need data.
• Kentucky updated its licensure procedure framework. The current 902 KAR 20:008 describes a provisional-license process followed by an unannounced on-site inspection.
• CMS imposed a nationwide temporary moratorium on initial Medicare enrollment for home health agencies. The moratorium took effect May 13, 2026, applies to initial applications and certain non-exempt changes in majority ownership, and was announced for six months with the possibility of extension.
• Medicare payment policy changed for calendar year 2026. CMS estimated that its finalized policies would reduce aggregate Medicare payments to home health agencies by about 1.3% compared with 2025, despite a 2.4% payment update before other adjustments.
• Home health remains a demand-driven sector. Kentucky had an estimated population of about 4.61 million in 2025, with 18.8% age 65 or older, but demographic demand does not override Kentucky's county-specific Certificate of Need requirements.

For a startup, the Medicare moratorium is the most immediate change. It means an old article that simply says obtain your Kentucky license and submit your Medicare enrollment is not accurate for September 2026.

Do You Need a Certificate of Need to Start a Home Health Agency in Kentucky?

For a typical new home health agency, the Certificate of Need, or CON, is a major early-stage requirement. Kentucky uses the CON program to control the establishment and expansion of covered health services and to evaluate whether the proposed service is consistent with the State Health Plan.

The current State Health Plan uses a county-by-county methodology for home health need. Plan materials use a threshold of at least 250 additional projected patients for an application to establish a home health service and at least 125 additional projected patients for certain expansions by an existing Kentucky-licensed home health agency.

There are special provisions for circumstances such as qualifying emergencies and certain hospital or nursing-facility proposals, so the general threshold should not be treated as the only possible route.

Before spending heavily on office space, staff recruitment, software, branding, or a policy manual, a new founder should verify whether the target county is currently feasible under Kentucky's home health need methodology.

Official resources include Kentucky's Division of Certificate of Need and the current 900 KAR 5:020 State Health Plan regulation.

How Do You Check Whether a Kentucky County Has Enough Home Health Need?

Kentucky calculates home health need by county rather than treating the state as one open market. The State Health Plan methodology considers projected population and recent utilization data to estimate additional patients needing home health services.

A practical feasibility review should include:

1. Identify the exact county or counties you want to serve.
2. Review the current Kentucky State Health Plan and the most recent home health need calculations available through the Division of Certificate of Need.
3. Determine whether the project is an establishment, an expansion, or a special-case proposal.
4. Check whether already-approved CON projects affect the available need inventory.
5. Review recent Certificate of Need newsletters and decisions for competing or recently approved projects.
6. Confirm the application cycle and filing deadline before preparing the final CON package.

This is also why best city to start a home health agency lists should be used cautiously. Population growth, age, income, hospital discharge volume, and caregiver supply matter commercially, but Kentucky's CON analysis can still determine whether the skilled home health project is approvable.

For broader market research, see CarePolicy.US's 2026 Kentucky city and county market guide. Treat market attractiveness and regulatory eligibility as two separate analyses.

When Can You File a Kentucky Home Health Certificate of Need Application?

Kentucky uses batching cycles for home health agency CON applications. Under 900 KAR 6:060, home health applications are accepted on a quarterly cycle associated with January, April, July, and October, with public notice generally following in the next month's Certificate of Need newsletter.

Timing matters because missing a filing cycle can add months before the project even enters review. Kentucky's formal CON review is generally structured around a review period of up to 90 days after commencement of formal review, while nonsubstantive review has a different timetable when an application qualifies for that process.

The appropriate CON application is filed under Kentucky's certificate-of-need application rules, including 900 KAR 6:065.

How Much Does a Kentucky Certificate of Need Application Cost?

The CON application fee depends on the proposed capital expenditure under 900 KAR 6:020.

The filing fee is only one startup cost. A complete home health launch budget should also consider entity formation, office and records infrastructure, insurance, clinical and administrative payroll, background screening, software, policy development, training, survey preparation, professional services, working capital, and payer-enrollment expenses.

What Is the Step-by-Step Process to Start a Kentucky Home Health Agency?

A strong 2026 sequence is:

1. Confirm that the business is truly a skilled home health agency.
2. Choose the proposed service county and test CON feasibility.
3. Form and organize the legal business.
4. Prepare and file the Certificate of Need application if required.
5. Build the clinical, administrative, policy, and personnel infrastructure required by Kentucky.
6. Submit the Kentucky home health licensure application and required fee after the applicable prerequisites are satisfied.
7. Operate under the provisional-license framework when authorized and prepare for the unannounced state inspection.
8. Correct any deficiencies identified during review or inspection.
9. Plan Medicare certification around the active federal enrollment moratorium rather than assuming immediate PECOS enrollment is available.
10. Complete Kentucky Medicaid enrollment only when the agency meets the applicable Medicare, Medicaid, and state requirements.
11. Build referral, staffing, quality, billing, and compliance systems before scaling census.

How Should You Form the Business Before Applying?

Most founders begin by creating the legal entity that will own and operate the agency. The ownership information used in the Kentucky licensing and CON documents should match the official business records.

Before filing, organize:

• Legal entity name and Kentucky business registration
• Federal Employer Identification Number
• Ownership percentages and controlling interests
• Physical agency location and mailing address
• Responsible officers and authorized signers
• Administrator and clinical leadership roles
• Financial plan and working-capital assumptions
• Insurance coverage appropriate to the services and workforce
• Service area and proposed clinical services

Use the same legal name, ownership data, addresses, and leadership information throughout the CON, licensure, payer, banking, insurance, and policy records. In regulated applications, small inconsistencies often create avoidable clarification work.

What Kentucky Home Health License Application Do You File?

Kentucky's Office of Inspector General uses its application for a Home Health Agency, Non-Residential Hospice, or Private Duty Nursing Agency. The official state application page should always be checked before submission because forms can change.

Start with the Cabinet's Applications for Health Care and Long-Term Care page and the official Home Health Agency licensure application.

The current Kentucky initial and annual state licensure fee for a home health agency is $500 under 902 KAR 20:008.

How Does Kentucky's Provisional Home Health License Work?

Under the current 902 KAR 20:008 process, an applicant first obtains a provisional license. The Office of Inspector General reviews the application for completeness, including ownership, personnel, operations and administrative policies, and the services to be provided.

If the application is complete and no statutory or regulatory deficiencies are identified, OIG may issue the provisional license. After receiving the provisional license:

• The licensee is expected to begin providing the health services identified in its application.
• If services do not begin within 10 business days, the licensee must notify the Cabinet in writing of the reason and anticipated start date.
• The licensee must notify the Cabinet within three business days after beginning operations.
• OIG is to conduct an unannounced on-site inspection within three months of the provisional license's effective date.
• The provisional license remains in effect until OIG approves or denies the regular license following inspection and compliance verification.

This creates an important operational reality: a founder must be prepared to function as an agency, not simply present a binder of documents.

What Services Must a Kentucky Home Health Agency Be Able to Provide?

Kentucky's home health regulation requires more than a single-service nursing business. The agency must provide part-time or intermittent skilled nursing and at least one additional covered service category.

Depending on the approved service model, the additional category may include:

• Physical therapy
• Speech-language pathology
• Occupational therapy
• Medical social services
• Home health aide services

Kentucky also requires services to be available five days a week, with back-up arrangements for weekend and emergency services.

The agency may arrange certain services through other providers, but written agreements must define the services, plan-of-care boundaries, supervision, documentation responsibilities, personnel compliance, and agreement review period.

What Staffing Structure Does a Kentucky Home Health Agency Need?

A home health startup needs a real clinical and administrative structure before survey. Kentucky requires the agency to designate a physician, registered nurse, or physician assistant to supervise the agency's performance in providing home health services according to authorized orders and plans of care.

Home health aide services require registered-nurse supervision. The rule also addresses supervisory visits, aide competency, personnel policies, orientation, training, job descriptions, evaluations, health screening, abuse-registry checks, and criminal background checks.

A staffing plan should therefore account for:

• Agency leadership and daily administration
• Registered-nurse clinical supervision
• Skilled nursing capacity
• At least one additional therapeutic, social-work, or aide service line
• Weekend and emergency back-up arrangements
• Coverage across the approved service area
• Credential and license verification
• Pre-employment screening and ongoing personnel-file maintenance
• Orientation, competency, annual evaluation, and required in-service training

Founders should not build the application around named clinicians who have not actually agreed to the role. Survey readiness requires people, records, schedules, job descriptions, credentials, and operational responsibilities to align.

What Training and Background Checks Are Required for Kentucky Home Health Staff?

Kentucky's home health rules require personnel policies covering qualification and employment conditions, pre-employment screening, training, and evaluation. The rule includes pre-employment abuse-registry checks and criminal-background requirements for direct-service personnel.

Home health agencies are also eligible to participate in Kentucky's fingerprint-supported National Background Check Program through KARES, which combines state and FBI screening for eligible provider types.

For direct-care staff serving patients who exhibit symptoms of Alzheimer's disease or other dementias, Kentucky law and regulation also impose dementia-specific training requirements. The home health rule requires cabinet approval of the agency's dementia-care training curriculum and documentation of employee completion when those requirements apply.

What Policies and Procedures Should a Kentucky Home Health Agency Prepare?

Kentucky requires written administrative, clinical, and personnel policies that actually reflect how the agency will operate. A generic home care manual is not sufficient for a skilled home health provider.

A survey-ready policy system commonly needs to address, at minimum:

• Patient acceptance and admission
• Plan-of-care establishment, review, and changes
• Clinical record content and retention
• Skilled nursing services
• Therapy, medical social work, and home health aide services as applicable
• Physician, APRN, or physician-assistant orders as applicable
• Clinical supervision
• Home health aide competency and supervisory visits
• Personnel qualifications and job descriptions
• Background and abuse-registry screening
• Employee health and tuberculosis screening
• Orientation and ongoing training
• Dementia-care training when applicable
• Patient rights, confidentiality, HIPAA, and records security
• Complaints and grievances
• Incident and emergency procedures
• Infection prevention and control
• Quality assessment and performance improvement
• Contracted services
• Coordination agreements with hospitals and long-term care facilities
• Emergency and weekend coverage
• Long-range planning and service-area needs assessment

CarePolicy.US develops state-specific home health policies and procedures and provides licensing and compliance support for providers.

What Coordination Agreements Does a Kentucky Home Health Agency Need?

Kentucky requires a home health agency to establish coordination agreements with health care providers in its service area, including hospitals and long-term care facilities.

This requirement is strategically important as well as regulatory. Referral relationships, discharge coordination, communications, and the ability to accept patients safely all influence whether the agency can turn its license into a viable operation.

Do not wait until after licensure to think about referral infrastructure. Build the clinical and operational relationships needed to support safe admissions and continuity of care while the agency is preparing for launch.

What Happens During the Kentucky Home Health Inspection?

The Office of Inspector General's inspection is intended to verify that the agency complies with the statutes and regulations applicable to the requested license. Under the current provisional-license framework, the inspection may be unannounced and is conducted after provisional licensure.

Survey readiness should include more than a clean office. Inspectors may need to verify:

• Licensure and ownership information
• Personnel files and credential verification
• Background-screening documentation
• Written policies and evidence they are implemented
• Patient records and plans of care
• Clinical supervision and visit documentation
• Training and competency records
• Quality-review systems
• Contract and coordination agreements
• Availability of required services and back-up coverage
• Privacy, record security, and administrative controls

If deficiencies are found, the agency may enter a correction process. A startup should budget time for corrective action rather than assuming the first inspection automatically produces final approval.

Can a New Kentucky Home Health Agency Enroll in Medicare in 2026?

Not through the normal initial-enrollment pathway while the current CMS moratorium remains in effect.

CMS imposed a nationwide temporary moratorium on initial Medicare enrollment for home health agencies effective May 13, 2026. CMS states that qualifying initial applications submitted after implementation of the moratorium are denied. The moratorium was announced for six months and may be extended in six-month increments.

As of this guide's September 28, 2026 fact-check, CMS continues to list the HHA moratorium as active on its provider-enrollment moratoria page.

Founders should monitor the official CMS Provider Enrollment Moratoria page before making any investment decision based on a future Medicare start date.

The moratorium also applies to certain non-exempt changes in majority ownership, so acquisition strategies require their own enrollment analysis.

Does the Medicare Moratorium Stop You From Preparing a Kentucky Home Health Agency?

The moratorium directly affects Medicare enrollment, but it does not eliminate every planning, business-formation, CON, policy-development, staffing, or state-licensure task. The practical problem is sequencing.

Kentucky's statutory definition of a home health agency, state provisional-licensure process, and federal Medicare certification process interact in ways that make a 2026 startup more complicated than a typical non-medical agency launch. A founder should confirm the current sequence with Kentucky OIG and the Division of Certificate of Need before committing to a launch date or patient census strategy.

Do not assume that:

• A Kentucky provisional license automatically creates Medicare billing privileges.
• A CON approval guarantees Medicare enrollment.
• The federal moratorium will end exactly when originally scheduled.
• An agency can simply replace Medicare with Kentucky Medicaid HHA billing from day one.

The safer planning approach is to separate state approval milestones from federal payer-enrollment milestones and verify each before advancing to the next capital-intensive step.

Is Accreditation Required for a Kentucky Medicare Home Health Agency?

CMS permits qualifying providers to demonstrate compliance through a state survey pathway or through a CMS-approved accrediting organization with deeming authority. Accreditation is therefore an important possible route for Medicare certification, but CMS does not describe private accreditation as the only Medicare path for every HHA.

Organizations such as ACHC and CHAP are well known in home health accreditation, but a founder should choose an accreditation strategy based on the current CMS and Kentucky certification pathway not simply because an accreditor is familiar in the industry.

The active 2026 Medicare enrollment moratorium should be considered before paying for an accreditation timeline intended solely to accelerate initial Medicare participation.

Can a New Kentucky Home Health Agency Enroll in Medicaid?

Kentucky Medicaid's home health regulation defines a home health agency as a Medicare- and Medicaid-certified agency licensed under 902 KAR 20:081. That means state licensure by itself should not be treated as sufficient for Kentucky Medicaid HHA billing.

Kentucky Medicaid also charges an institutional provider application fee when applicable. The state's 2026 provider-enrollment fee is $750, although providers that have already paid the applicable fee to Medicare or another state Medicaid program may not have to pay it again if Kentucky can verify the payment.

Because the Medicare moratorium can interrupt the federal certification sequence, a new agency should verify Medicaid enrollment eligibility and timing directly through Kentucky Medicaid before projecting Medicaid revenue.

Relevant rules include 907 KAR 1:030 and Kentucky's Medicaid provider application-fee page.

How Much Does It Cost to Start a Home Health Agency in Kentucky?

There is no credible single all-in Kentucky startup price because the total varies substantially with county strategy, staffing, office model, service lines, insurance, technology, accreditation choices, working capital, and whether the agency can pursue Medicare enrollment.

The official filing costs that can be identified from current rules include:

These fees are not the real startup budget. The largest costs are usually operational: payroll, recruiting, clinical leadership, insurance, EMR and communications systems, office and records infrastructure, compliance documentation, training, survey preparation, and enough working capital to support operations before collections become predictable.

A realistic budget should include a separate contingency for application corrections, survey remediation, delayed payer enrollment, and slower-than-expected referral growth.

How Long Does It Take to Start a Home Health Agency in Kentucky?

There is no single reliable 2026 end-to-end timeline.

Kentucky's process contains several separate clocks:

• CON applications are subject to scheduled batching cycles.
• Formal CON review is generally structured around a review period of up to 90 days after review commences.
• State licensure requires application review before a provisional license is issued.
• OIG is to conduct the provisional-license inspection within three months of the provisional license's effective date.
• Deficiencies can add correction time.
• Medicare initial enrollment is currently blocked by the nationwide HHA moratorium.

For that reason, an old three to six months  estimate is too simplistic for September 2026. A founder can prepare business, compliance, staffing, and state materials during that period, but should not promise investors, referral partners, or staff a Medicare billing date until the federal moratorium status and certification sequence are confirmed.

Can You Start a Kentucky Home Health Agency Without Being a Nurse?

A non-clinician can own a healthcare business, but the agency itself must satisfy Kentucky's clinical-supervision and personnel requirements. Ownership does not replace licensed clinical leadership.

Kentucky requires the home health agency to designate a physician, registered nurse, or physician assistant to supervise its performance in providing home health services, and registered-nurse oversight is specifically required for home health aide services.

If the owner is not clinically licensed, the business plan should clearly identify who will be responsible for nursing oversight, clinical decision-making, plans of care, supervision, quality, credentialing, and patient-safety processes.

Can You Run a Kentucky Home Health Agency From a Home Office?

Kentucky's home health rules focus on whether the agency can satisfy its licensure, administrative, recordkeeping, staffing, supervision, privacy, and inspection obligations. A founder should not assume that a residential address is automatically acceptable simply because much of the care occurs in patients' homes.

Before using a home office, confirm:

• Local zoning and business-use restrictions
• Lease, HOA, or property restrictions
• Whether the location can support confidential records and HIPAA-compliant operations
• Whether staff, surveyors, and records can be accommodated appropriately
• Whether the address is consistent across state, federal, insurance, and payer records

When in doubt, ask Kentucky OIG to confirm the proposed location before committing to it.

What 2026 Medicare Payment Changes Should a New Agency Understand?

A startup should not build its financial model on gross reimbursement assumptions alone. Under the CY 2026 Home Health Prospective Payment System final rule, CMS estimated that aggregate Medicare payments to home health agencies would decrease by approximately 1.3%, or about $220 million, compared with CY 2025 after finalized adjustments.

The final rule also continued the Patient-Driven Groupings Model, updated case-mix and low-utilization thresholds, changed the face-to-face encounter policy, revised quality-reporting requirements, and changed measures used in the expanded Home Health Value-Based Purchasing Model.

For a future Medicare-certified startup, financial planning should model:

• 30-day PDGM payment periods
• Case-mix and wage-index variation
• LUPA risk
• Quality-reporting requirements
• Value-based purchasing performance
• OASIS accuracy and submission
• Denials, authorization, and documentation risk
• Medicare Advantage contract terms where applicable

See CMS's CY 2026 Home Health PPS Final Rule fact sheet.

What Are the Biggest Mistakes New Kentucky Home Health Agencies Make?

The highest-risk mistakes usually happen before the application is filed.

1. Confusing non-medical home care with skilled home health. The provider types have different regulations and startup paths.
2. Choosing a county before checking CON feasibility. Commercial demand alone does not establish regulatory need.
3. Assuming a CON approval is the same as a license. CON, state licensure, survey readiness, Medicare certification, and payer enrollment are separate milestones.
4. Using generic policies. Policies must align with Kentucky rules, actual services, actual staff roles, and actual operations.
5. Recruiting only on paper. The agency must be able to demonstrate real operational capability.
6. Underestimating clinical payroll and working capital. A home health agency can incur labor and compliance costs before payer cash flow stabilizes.
7. Ignoring the 2026 Medicare enrollment moratorium. This can make a previously reasonable launch schedule unrealistic.
8. Assuming Medicaid is an immediate substitute for Medicare. Kentucky Medicaid's HHA rules are tied to Medicare and state certification requirements.
9. Building marketing before referral operations. Skilled home health growth depends heavily on compliant admissions, clinical capacity, discharge relationships, and reliable service coverage.
10. Treating survey preparation as a last-minute event. Survey readiness starts when the first policy, employee file, contract, and patient workflow is created.

Is Starting a Home Health Agency in Kentucky Still a Good Opportunity in 2026?

Kentucky still has strong structural demand for care delivered at home. The state's population is aging, and home-based services remain an important part of post-acute and long-term support. However, demand does not automatically make every new skilled home health agency feasible.

In 2026, the strongest prospective founder is not the person who sees only the aging-population opportunity. It is the founder who can answer five harder questions:

1. Is the provider type correctly classified?
2. Is there a viable CON pathway in the target county?
3. Can the agency recruit and retain the required clinical workforce?
4. Can it operate compliantly before payer cash flow becomes stable?
5. What is the launch plan if Medicare initial enrollment remains unavailable longer than expected?

Those questions create a more realistic business case than relying on broad national growth statistics alone.

How Can CarePolicy.US Help With a Kentucky Home Health Agency?

CarePolicy.US provides licensing, policy, compliance, and certification support for healthcare and home-care providers. The company states that it has supported more than 800 providers across all 50 states over more than seven years.

Founder Anton Fonseka is an ACHC- and CHAP-certified consultant whose work focuses on home care and home health licensing and compliance.

For a Kentucky project, support may include:

• Provider-type and licensing-path review
• Custom licensing checklist development
• Certificate of Need research and application support
• State licensure documentation
• Customized home health policies and procedures
• Personnel and operational documentation
• Survey-readiness preparation
• Medicare and Medicaid certification planning when the applicable enrollment path is available
• Ongoing compliance support

Learn more about Kentucky provider licensing consultation or review CarePolicy.US's all-state licensing and policy support.

What Should You Do Before Spending Money on a Kentucky Home Health Startup?

Use this order:

1. Write down the exact services you plan to provide.
2. Confirm whether the model is skilled home health or non-medical personal services.
3. Select the proposed Kentucky county.
4. Review current CON need data and recent approvals.
5. Confirm the effect of the active CMS HHA enrollment moratorium on your intended launch model.
6. Build a conservative budget with working capital, not just filing fees.
7. Only then invest heavily in policies, hiring, office commitments, accreditation, software, and marketing.

This sequence reduces the risk of building an agency around a regulatory assumption that later proves incorrect.

What Questions Do Founders Ask About Kentucky Home Health Licensing?

Do You Need a License to Start a Home Health Agency in Kentucky?

Yes. A skilled home health agency falls under Kentucky's health-facility and health-service licensure framework and must satisfy the applicable Office of Inspector General requirements.

Does a Kentucky Home Health Agency Need a Certificate of Need?

A typical new home health service must address Kentucky's Certificate of Need requirements before licensure, unless a specific statutory or regulatory exception applies to the proposal.

How Much Is the Kentucky Home Health License Fee?

The current initial and annual state licensure fee for a home health agency is $500 under 902 KAR 20:008.

How Much Is the Kentucky Certificate of Need Fee?

A CON application with no capital expenditure or a capital expenditure up to $200,000 is currently assessed a $1,000 fee. Higher-expenditure projects use the fee schedule in 900 KAR 6:020.

Can a New Kentucky Home Health Agency Bill Medicare in September 2026?

CMS currently has a nationwide temporary moratorium on initial Medicare enrollment for home health agencies. The moratorium took effect May 13, 2026. Check CMS directly for the latest status before filing or setting a Medicare launch date.

Can a Non-Nurse Own a Kentucky Home Health Agency?

Ownership and clinical qualification are different issues. A non-clinician may own the business, but the agency must meet Kentucky's required clinical supervision, staffing, professional-licensure, and patient-care standards.

Does Kentucky Require Skilled Nursing for a Home Health Agency?

Yes. Kentucky's HHA regulation requires part-time or intermittent skilled nursing plus at least one additional qualifying service category.

How Quickly Does Kentucky Inspect a New Home Health Agency?

Under the current provisional-license rule, OIG is to conduct an unannounced on-site inspection within three months of the provisional license's effective date.

Can a Kentucky Home Health Agency Serve the Entire State?

Do not assume so. Kentucky's home health CON and service-area framework is county-specific, and establishment or expansion into counties can require separate need analysis and approval.

Is a Personal Services Agency the Same as a Home Health Agency in Kentucky?

No. Kentucky separately regulates personal services agencies under 906 KAR 1:180. A non-medical personal-care business should not automatically use the skilled home health licensing path.

Which Official Sources Should You Verify Before Filing?

• Operations and Services; Home Health Agencies
• License Procedures and Fee Schedule
• State Health Plan for Facilities and Services
• Certificate of Need Application Fee Schedule
• CON Submission Timetable
• Certificate of Need Application Process
• Kentucky Division of Certificate of Need
• Kentucky OIG Health Care Applications
• CMS Provider Enrollment Moratoria
• CMS Home Health Agencies
• Kentucky Medicaid Home Health Agency Services
• Kentucky Personal Services Agencies

Regulations, forms, CON need calculations, payer enrollment rules, and moratoria can change. Verify time-sensitive requirements against the official source before filing.