Long Term Care

Alabama Long Term Care Insurance & Cost Information

Alabama's senior residents specifically the 65 and over age group currently make up 14% of the state's total population according to the U.S. Census Bureau's data for 2011. Alabamans are living longer than most people in the country and thus the inclusion of their state in the Top 10 U.S. states with the oldest population.

However, long term care researchers have projected about two-thirds of older Alabamans will require care in their homes and in long term care facilities due to an array of health problems that will hinder them from performing their day-to-day activities. In fact, 31% of them are likely to develop Alzheimer's disease according to the 2012 report of the Alzheimer's Disease Facts and Figures. Unfortunately, only a fraction of Alabama's senior citizens have managed to work out a concrete plan for their future health care needs.

Many of them still mistakenly think that Medicaid and Medicare will shoulder their long term care expenses. In reality, both programs can only help them up to a certain extent and should they wind up requiring more than what Medicaid and Medicare are capable of providing, then they will have to figure out a solution on their own.

According to 2006 survey of Alabama residents age 35 and above, about 6 in every 10 respondents reveal that they are not sure if they could afford nursing home care for one year. The cost of Long Term Care has continuously increased over the years in many areas in Alabama, according to a statewide study conducted by Genworth Financial, a leading financial security company. Their 2012 Cost of Care surveyed the current median cost of Long Term Care in various locations across the state.

Region Homemaker Services Hourly Rate
(Licensed)
Home Health Aide Hourly Rate
(Medicare Certified)
Assisted Living Facility Monthly Rate
(Private room)
Nursing Home Daily Rate
(Semi-private room)
Nursing Home Daily Rate
(Private room)
Anniston $15 $16 $3,783 $165 $175
Auburn $16 $16 $3,200 $166 $173
Birmingham $16 $16 $2,348 $180 $188
Decatur $15 $16 $3,594 $186 $193
Dothan $16 $16 $2,195 $187 $199
Florence $15 $15 $3,370 $175 $183
Gadsden n/a n/a $1,975 $175 $185
Huntsville $16 $16 $3,445 $187 $199
Mobile $15 $16 $3,188 $175 $180
Montgomery $16 $16 $2,600 $165 $175
Tuscaloosa $16 $17 $3,100 $165 $175
Rest of State $17 $17 $2,525 $164 $172
Alabama Long Term Care Costs

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The State of Alabama rose to the challenge and hence, the birth of The Alabama Long Term Care Insurance Partnership Programwhich became effective in March 1, 2009. The Partnership Program is a beneficial and viable alternative for the citizens of Alabama as they face financial challenges in meeting Long Term Care costs.

Alabama Long Term Care Partnership Program

The Alabama Long Term Care Insurance Partnership Program is a partnership program between private insurance companies and the State of Alabama. With the collaboration of Alabama Medicaid Agency and the Alabama Department of Insurance, residents are encouraged to plan and take greater responsibility for their future care needs. The program makes it possible for Alabama residents to protect their assets from spend down requirements should they eventually apply for continued nursing home assistance from Medicaid. Assets are protected on a dollar-for-dollar basis. The amount of assets that will not be counted towards Medicaid's financial eligibility equal to the dollar amount of insurance benefits paid under their Partnership policy. Such assets will likewise not be subject to Medicaid estate recoveries.

Alabama Long Term Care Partnership Policy

Long Term Care insurance policies that meet Partnership requirements and certified by the Alabama Department of Insurance may qualify as Partnership policies. These insurance policies must meet certain requirements set forth in the Deficit Reduction Act of 2005.

Obtaining a Partnership Policy in Alabama

Partnership policies may be obtained from insurance carriers licensed by the Alabama Department of Insurance. Insurance agents need to receive Partnership training before they are allowed to sell, solicit, or negotiate Partnership policies. To find an Alabama Long Term Care Partnership Certified agent in your area, get a Long Term Care Insurance Quote here.

Below is a list of insurance companies participating in the Alabama Long Term Care Insurance Partnership:

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References for Alabama Long Term Care Insurance Information

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