Utah Long Term Care Insurance Information

Utah has 8,609 available beds in 100 certified nursing homes scattered all over the state. Adequate nursing service is expected from these facilities, with the state having ranked 14^th nationally by the Medicare 5 Star Quality rating system.

Utah is part of the top 10 healthiest states in the country, according to America’s Health Rankings. At the 7^th spot, the state is known for its low number of cancer deaths, low diabetes rates, and decreased number of smokers. Additionally, Utah has managed to decrease physical inactivity among its adult residents as well (20.6% to 16.8% in the previous year).

Based on a census done July 2015, Utah has 2,995,919 residents, with 10.3% comprised of individuals 65 years and older. There are more male residents in the states – females are at 49.7%.

Average Cost of Long Term Care Services in Utah

Costs (2016) for LTC services in Utah are as follows:

Home Health Aide (Daily Rate): $132

Nursing Home Care (Daily Rate, Semi-Private Room): $185

Nursing Home Care (Daily Rate, Private Room): $210

Assisted Living Facility (Monthly Rate, 1 Bedroom-Single Occupancy): $2,950

Utah Long Term Care Partnership Program

Utah has not filed for a state LTC partnership program.

What is a Long Term Care Partnership Program?

The partnership program is designed to encourage people to purchase long-term care insurance by providing a plan that will allow Medicaid to disregard some or all assets for Medicaid eligibility and estate recovery purposes. Through partnership plans, people will receive asset protection whenever policy benefits are exhausted and will need continued benefits through Medicaid.

Partnership qualified insurance policies allow their holders a much easier time of applying for Medicaid when their current policy benefits have run out. Instead of needing to reach below the asset threshold set by the federal health care program, policy owners can protect an amount of assets equal to their total benefits – allowing them to continue receiving care without the risk of losing their assets to Medicaid estate recovery procedures.

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