Long Term Care

Utah Long Term Care Costs & Insurance Quotes

In accordance to the Deficit Reduction Act (DRA) of 2005, the state of Utah adapted the Long Term Care Insurance Partnership Program that mandates states to implement and offer better and more flexible LTC plan alternatives for their residents.

Because of the fact that a large percentage of people 65 years old and above may need to receive LTC services at least once in their entire life, this program aimed at encouraging local state residents of considering getting a long term care insurance for themselves for future use. Also, it gives opportunity to those average income earners to secure themselves an LTC policy without having to allocate big amount of their salaries to the policy.

Utah Long Term Care Costs and Insurance Quotes

Region 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)
Logan $28 $3,088 $163 $191
Ogden - Clearfield $22 $3,338 $165 $221
Provo - Orem $20 $2,525 $145 $165
Salt Lake City $21 $3,598 $159 $175
St. George $26 $3,250 $145 $188
Rest of State $20 $2,575 $140 $157

The Utah Long Term Care Partnership Program

The Utah Long Term Care Insurance Partnership Program caters to the policyholders by allowing them to apply and eventually qualify for Medicaid benefits whenever they have exhausted their partnership policy. A portion of their assets will be protected through the Dollar-for-Dollar asset protection feature of partnership plans. With this, Medicaid will disregard a dollar of the policy owner's assets for every dollar that was paid out by his partnership policy.

Aside from the Dollar-for Dollar asset protection, all of the partnership policies being offered in the United States should provide the following to be considered valid:

a. A minimum daily benefit amount. This is the allowed minimum amount of LTC services that a policyholder may use daily and which will be paid out by his LTC plan.

b. A benefit coverage period. Allotted duration of the LTC plan of the insured individual.

c. Inflation protection. Considered as the most important of all LTC plan features. It makes the policy keep up with the continuous increase in the costs of LTC services, regardless if the policyholder acquired his plan at a much lower price.

A partnership policy is required to provide certain levels of inflation protection depending on the age of the individual at the time of his application. The directed levels of inflation protection are as follows:

Although a partnership policy owner may opt to get Medicaid benefits if his health condition requires him to receive extended care, his partnership policy will not automatically make him qualify for Medicaid benefits. Medicaid eligibility determination process is done in a case-to-case basis and will be explained by an eligibility officer during interviews at the time of the individual's Medicaid application.

For qualified Utah residents who are interested in acquiring a partnership plan, proofs of residency and citizenship, and other documents required should be presented upon your application. If you still do not have a Social Security Number, be sure that you have already applied for one before your LTC partnership policy or Medicaid application.

Fill out this short form to get your free quotes from all providers

We don't just offer one solution. We shop all of the major carriers in Utah to offer you the best price. With our 35+ years of Long Term Care insurance experience, we'll save you time and money on your Long Term Care Insurance quotes. We only use your personal information to formulate your quotes and discounts. We will also email you a complimentary copy of the 2010 NAIC Shopper's Guide to Long Term Care Insurance so you can learn even more about LTCi.

Long Term Care Insurance Providers
*First Name:
*Last Name:
*Address:
*City:
*State:
*Zip Code:
*Phone:
*Email:
*Your Age:
Spouse's Age: