Long Term Care

Hawaii Long Term Care Insurance Costs, Quotes & Information

Hawaii is listed among the Top 10 most expensive U.S. states for long term care. As a matter of fact, the state's senior citizens and disabled people who require assistance with their day-to-day activities due to a physical or mental impairment are forking out hundreds of thousands of dollars a year to receive quality nursing home care.

Meanwhile, those who cannot afford a licensed caregiver let alone skilled nurse are relying heavily on family members not only to assist them with their everyday needs, but also to pay for their long term care needs.

In Hawaii, not even a person with a nest egg that is worth half a million will be able to survive the cost of care as this has already outpaced the figures on the national level.  In-home care recipients in the state are paying a home health aide $25 per hour, on average, to help them with their activities of daily living (ADL) such as bathing, dressing, eating, and transferring from the bed to a chair or vice versa among others.

Nursing home residents, on the other hand, need to spend $345 a day, which translates into $125,925 a year, for a private room while those confined in semi-private rooms are shelling out $320 daily or $116,800 annually.

To get a detailed report on the 2012 median cost of care in Hawaii, check the table below courtesy of Genworth Financial, one of the leading wealth management companies in the country.

Region Homemaker Services Hourly Rate
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)
Honolulu $22 $24 $3,815 $303 $325
Rest of State $22 $25 $3,750 $395 $405

Hawaii Senate Considers Long Term Care Insurance Partnership Program

Long term care is not only highly in demand among the senior citizens of Hawaii, but even among the state's younger people.According to a study that was performed by the Hawaii Long Term Care Commission about 7% of the 18 years old and older age bracket suffers physical and mental health problems.

As the population that needs long term care in Hawaii grows, it forebodes an increase in the number of informal caregivers and potential burden on the state's health care budget since only a handful of Hawaiians can afford to pay the services of licensed caregivers or nurses out-of-pocket.

With that in mind, the Hawaii Senate Human Services Committee has decided to approve S.B. 2309 which states the creation of a long term care Partnership Program in Hawaii. Through the long term care Partnership Program residents of Hawaii will no longer be required to deplete their assets or to be impoverished before they can apply for Medicaid assistance.

At present, residents of Hawaii should have not more than $2,000 countable assets inclusive of their homes before they can apply for the said federal and state health insurance program.

Hawaii Partnership Long Term Care Insurance Policy

Prior to the approval of the Partnership Program in Hawaii, the Human Services Committee made the necessary corrections to the initial S.B. 2309 as it stated that the purpose of the Program is to combine private long term care insurance benefits with Medicaid funds.

The purpose of Hawaii's Partnership Program is to encourage everybody in the state to plan his future health care needs with long term care insurance and if ever he would need additional coverage after having exhausted his benefits, he can apply to Medicaid without complying with the spend down rule.That's because for every dollar received in benefits from a Partnership policy, one gets to exempt the equivalent dollar value of his personal assets.

To find out more about the Hawaii Long Term Care Insurance Partnership Program, contact a trusted insurance agent.

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