Long Term Care

Kansas Long Term Care Insurance Costs & Information on Partnership Programs

Kansas ranks 3rd state that offers the most choices, including the most affordable, for nursing home care. This is according to Genworth's Choice and Affordability Index. Genworth Financial is one of the country's top insurance carriers for Long Term Care. They also conducted a study of median current costs of services in various Long Term Care settings in some key areas in Kansas:

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)
Lawrence $17 $18 $4,670 $171 $193
Manhattan $19 $19 $3,250 $175 $193
Topeka $17 $18 $4,510 $149 $175
Wichita $18 $18 $4,198 $145 $165
Rest of State $18 $18 $3,345 $148 $159
Kansas Long Term Care Insurance Costs

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Private rooms in nursing homes cost an average of $60,225 annually according to the 2012 Cost of Care Survey of Genworth. Barely, however, will you hear of anyone who stayed only for a year in a nursing facility because the average stay of Kansas residents in nursing homes is 3 years. Most people prefer to receive care at home. Thus, many caregiving families in Kansas spend about $41,184 each year for homemaker services. Homemaker services include housecleaning, meal preparation and running errands. Home health aide services, on the other hand, include more extensive personal care and sometimes, some level of skilled care. However, full-time home health aide services (Medicare-certified) in Kansas can cost $110,205 annually.

Medicaid may help pay for Long Term Care for Kansans with low income and limited resources. However, there is a certain amount of assets and monthly income that must be met in order to qualify for Medicaid assistance. The State of Kansas requires residents not to exceed the $2000 Medicaid asset limit.

To address this challenge, a new and innovative program called The Kansas Partnership for Long-Term Care was established, with an effective date of April 1, 2007. The Partnership Program allows individuals to retain more assets than what is allowed under Medicaid eligibility. Thus, the people of Kansas need not spend down their assets and savings to qualify for Medicaid should they end up requiring ongoing care after depleting the insurance benefits of their qualified private Long Term Care insurance policies.

The Kansas Long Term Care Partnership Program

The Kansas State Partnership for Long-Term Care is a private-public partnership program that aims to finance Long Term Care of the people of Kansas. The Partnership program allows eligible policyholders to protect their assets through Dollar for Dollar Asset Protection. Each dollar that the Partnership policy pays out in benefits allows the policyholder to keep a dollar of his assets. These assets will be disregarded during the Medicaid eligibility process.

The Partnership program is a collaboration of various state agencies, which include the Kansas Insurance Department, the Kansas Department of Aging and the Kansas Health Policy Authority. The state Medicaid program, on the other hand, is under the Kansas Department of Social and Rehabilitation Services.

Long Term Care Partnership Policy

The Deficit Reduction Act of 2005 (DRA) requires all qualified Long Term Care insurance policies to include the following basic benefits in order to be considered as Partnership policies:

Obtaining a Partnership Policy in Kansas

Partnership policies may be obtained only from insurance brokers and carriers licensed by the Kansas Insurance Department. Insurance agents must be licensed in the State of Kansas and should have completed the initial Partnership training of eight hours and the required additional four hours training every two years before they are allowed to market and sell Partnership policies.

Below is a list of insurance companies participating in the Partnership program, as of May 2009:

The Kansas Partnership for Long-Term Care has no reciprocity agreement. The program is working towards reciprocity with other states. Kansas, however, has voted to grant asset disregard to policyholders of Partnership policies purchased in other states.

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Kansas Long Term Care Insurance References