Arizona Long Term Care Costs, Partnership & Insurance Information
Long Term Care services are very important to many caregiving families in Arizona, considering the significant number of the state's senior population - and thus who have a greater risk for chronic illnesses and conditions requiring Long Term Care needs. Long Term Care includes a variety of services ranging from skilled care (nursing care and physical therapy) to home care and supportive services (assistance or supervision with basic daily activities - dressing, bathing, transferring, etc). Many Arizonans prefer to remain in their homes and be surrounded with family and friends.
According to a statewide survey compiled by Genworth Financial, a leading global insurance company, the average annual costs of private nursing homes and assisted living facilities were $77,211 while assisted living facilities were $35,700. Listed below are the 2010 median costs of Long Term Care in key areas in Arizona:
| 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) |
| Flagstaff | $20 | $3,128 | $229 | $254 |
| Lake Havasu City | $19 | $3,450 | $169 | $180 |
| Phoenix-Mesa-Scottsdale | $22 | $3,050 | $177 | $243 |
| Prescott | $24 | $2,975 | $168 | $192 |
| Tuscon | $20 | $3,325 | $193 | $225 |
| Yuma | $20 | $2,813 | $165 | $196 |
| Rest of State | $19 | $2,875 | $157 | $172 |
Compare the Top Providers
Arizona residents can compare the top 8 providers of long term care insurance in the state to get the best price.
Many families pay for these services through private pay. Arizona tops AARP's list of states with the highest percentage of uninsured full-time workers and dependents for the year 2000. Many turn to Medicare for assistance. However, Medicare may only provide limited coverage, i.e. limited skilled nursing care and services while recuperating from injuries and illnesses. Therefore, many caregiving families pay out-of-pocket and exhaust their life's savings and resources until they become eligible to apply to the State Medicaid program.
Arizona Long Term Care Insurance Partnership Program
The Arizona Long Term Care Partnership Program is relatively new. The State Plan Amendment or SPA 08-003 - Long Term Care Partnership Program that allows Arizona to participate in the Long Term Care Partnership Program was approved November 14, 2008, with effective date of July 1, 2008.
The Arizona Long Term Care Partnership Program is a partnership program between the State of Arizona and private Long Term Care insurance companies, providing asset disregard when the policyholder seek eligibility for Medicaid assistance.
The Long Term Care Partnership in Arizona is administered by the Arizona Health Care Cost Containment System or AHCCCS. AHCCCS (pronounced "access") is the State of Arizona's Medicaid program. The Arizona Long Term Care System or ALTCS is the program that provides Long Term Care services to financially eligible senior Arizonans and residents who are blind or disabled. ALTCS requires resources do not exceed $2,000 for single applicants. Resources include bank accounts, real property that you do not live in, cash value of some insurance policies, cash, stocks, bonds certificates of deposits, and non-exempt vehicles.
Arizona Long Term Care Partnership Policies
A policy that meets the requirements of a qualified State Long-Term Care Insurance Partnership is termed "Partnership policy." It provides a unique Asset Disregard Benefit wherein the policyholder's assets equal to the amount of insurance benefits paid by his qualified policy are disregarded during Medicaid eligibility process should the policyholder require continued coverage.
Long Term Care insurance policies must include the following features to be considered as a Partnership policy:
- Asset Disregard Benefit
- Inflation Protection - This benefit provides for increase in benefit to cope with increases in future Long Term Care costs. Partnership policies must meet requirements outlined in section 191 7(b)(l)(C)(iii)(IV) of the Social Security Act.
- Tax Qualified Policy Feature - A Partnership policies is a qualified Long Term Care insurance policy as defined in section 7702B(b) of the Internal Revenue Code of 1986, and is therefore under federal tax law.
- Issue Date - The policy must be issued not earlier than the effective date of the Partnership program which is July 1, 2008.
- Residency Status - A policyholder must be a resident of the State of Arizona when coverage first became effective.
- The Partnership program further requires that insurance companies issuing Partnership policies to provide a report of amount of benefits paid, including a notification when the policy terminates.
Obtaining a Partnership Policy
The Partnership program is relatively new. You may inquire directly with the insurance company if they offer Partnership policies. You may also visit the website of the Arizona Department of Insurance. The State Department strongly recommends comparison shopping and verifying with the Department's database before purchasing long term insurance policies, whether Partnership or non-Partnership ones. Agents must complete training in accordance with the Department's licensing requirements.
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