Long Term Care

Idaho Long Term Care Costs & Insurance Information

With a purpose to help the residents plan and prepare for their medical care and needs in the future, the state of Idaho, together with some private insurers, launched the Idaho Long Term Care Insurance Partnership Program in November 2006. It aims to provide aid and assurance of a secured and better living after retirement.

A person who has purchased a Partnership policy may qualify for Medicaid coverage without spending all their assets. The policyholders' personal assets will be disregarded by the state once the person's eligibility for Medicaid assistance is validated and recognized.

The table below shows the 2012 Idaho median costs of care data by Genworth Financial:

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)
Boise-Nampa $20 $20 $3,625 $195 $221
Coeur d'Alene $18 $20 $3,600 $194 $212
Lewiston $16 $20 $3,750 $175 $180
Pocatello $17 $20 $3,400 $187 $218
Rest of State $17 $20 $2,735 $180 $194

Features of Partnership Long Term Care Insurance in Idaho

Before buying a Partnership qualified long term care insurance policy, it is important that you have to meet the medical underwriting of the insurance firm in the same way that you would for a non-Partnership policy.

Long Term Care Insurance Partnership Programs vary by state but the following remain compulsory:

Idaho Partnership Long Term Care Insurance Policies carry the following benefits:

About Inflation Protection

A long term care insurance policy may qualify for Idaho's Long Term Care Insurance Partnership Program if it provides the following levels of inflation protection:

A policy may also qualify for the state's partnership program by having an inflation protection which assures an increase in benefit of not less than the yearly percentage change in the Consumer Price Index (CPI). The CPI adjustments for policies sold to a policyholder below 61 years of age must be on a compounding basis.

Idaho Long Term Care Insurance

Idaho Reciprocity Standards

Idaho Long Term Care Insurance Partnership Program participates in the reciprocity agreement with the other states that also have partnership policies. Based on Section 56-1303 of the Idaho Code, the department may enter into reciprocal agreements with the other states to extend the asset disregard to the residents of the state who purchased long-term care policies in another state which has same asset disregard programs.

The following are the reciprocity standards as published on the September 2, 2008 issue of Federal Register.

The above reciprocity standards only apply to the asset disregard, effective on January 1, 2009. Applicants may only be qualified for the asset disregard eligibility if the state wherein they purchased their LTC policy and the state where they apply for Medicaid both participate with the reciprocal standards.

Idaho Medicaid Eligibility

Medicaid eligibility may be determined by submitting financial and non-financial requirements such as proofs of income and of other financial resources, Idaho residency proof of citizenship and identity, and a Social Security number.

Applications for Medicaid eligibility may be done online, by telephone, fax, and mail.

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