AK, HI, MA, MS, UT, VT
States must amend their Medicaid laws to include the Partnership program.
Some states take longer to do this so policies sold in those states are still non-Partnership policies (as are group plans such as the Federal LTC plan, etc).
If you live in a non-Partnership state you can buy a policy now and replace it with a Partnership policy when they become available; or you can buy a policy now and later add coverage that will qualify it for Partnership; or you can wait.
The caveats to waiting are:
- Your health may change making you uninsurable.
- Companies increase rates for new applicants meaning the same benefits will cost more.
Long Term Care is a family affair.
The majority of caregivers are family members.