Georgia long-term care insurance: cost & coverage
What long-term care costs in Georgia, who regulates insurance here, whether the state has an LTC Partnership program, and how to compare quotes.
Who regulates long-term care insurance in Georgia
Long-term care insurance policies sold in Georgia are regulated by the Georgia Office of Commissioner of Insurance and Safety Fire. If you have a complaint about an agent, carrier, or policy, you can file it with the regulator directly.
What long-term care costs in Georgia
Median assisted living cost in Georgia vs. the national median:
| Location | Median / month | Approx. / year |
|---|---|---|
| Georgia | $5,241 | $62,892 |
| National median | $6,313 | $75,756 |
Source: SeniorLiving.org median assisted living costs, 2026. See costs for all 50 states for the full table.
What each type of care costs in Georgia
Assisted living is only one of the settings people use. Median monthly costs across the main care types in Georgia:
| Type of care | Median / month | Approx. / year |
|---|---|---|
| Home health aide | $5,228 | $62,736 |
| Assisted living | $5,241 | $62,892 |
| Nursing home (semi-private room) | $9,359 | $112,308 |
| Nursing home (private room) | $10,003 | $120,036 |
Source: SeniorLiving.org Cost of Care Research (2026)
Georgia's LTC Partnership program
Georgia has an active LTC Partnership program. Georgia has an active LTC Partnership program administered by the Department of Community Health (Medicaid) with the Office of the Commissioner of Insurance.
A Partnership-qualified policy lets you keep an extra dollar of assets, protected from Medicaid spend-down, for every dollar your policy pays out in benefits — see the note above for this state's current status. Learn more about how Partnership programs work.
How the Partnership program works in Georgia
Georgia's Partnership took effect January 1, 2007, and only policies issued on or after that date, to someone who was a Georgia resident when coverage began, can qualify. The payoff is a dollar-for-dollar asset disregard: every dollar your policy pays in benefits is a dollar of savings Medicaid ignores. Georgia's countable-resource limit for an individual is $2,000, so a policy that had paid out $150,000 would let you keep roughly $152,000 — and you do not have to exhaust the policy first. The same amount is also shielded from Medicaid estate recovery after your death. Georgia is a reciprocity participating state, so a Partnership policy bought in another participating state still earns the disregard here. Agents must complete eight hours of Partnership training, then four hours every two years.
Source: Georgia Division of Family and Children Services, Medicaid Policy Manual, Section 2348 (2020)
How Georgia treats LTC premiums at tax time
Georgia gives long-term care insurance no break of its own. There is no Georgia credit and no Georgia subtraction for long-term care premiums: the 2025 IT-511 instruction booklet lists twenty-five subtractions from income and none of them covers long-term care, and the Department of Revenue's complete credit list — codes 101 through 215 — has no long-term care entry either. Georgia now taxes income at a flat 5.19 percent for 2025, so there is no bracket strategy to build around premiums. What Georgia does give you is indirect: if you itemize on your federal return you must itemize on your Georgia return too, and Georgia starts from your federal Schedule A, so the age-based federal deduction for qualified premiums flows through to Georgia.
Source: Georgia Department of Revenue (2025)
This is general information, not tax advice. Confirm your own situation with a tax professional licensed in Georgia.
Medicaid long-term care in Georgia
Georgia's Medicaid program carries no marketing name — it is simply Georgia Medicaid, run by the Department of Community Health, with the Division of Family and Children Services deciding financial eligibility through Georgia Gateway. For 2026, an individual applying for nursing-home care, hospice, or community care may have no more than $2,982 a month in gross income and $2,000 in countable resources; a couple's limits are $5,964 and $3,000, and a community spouse is allowed $4,066.50 a month. Income above the cap can be sheltered in a Qualified Income Trust, but it must be set up in Georgia — one created in another state will not work here. Care at home runs through the Elderly and Disabled Waiver Program — the CCSP and SOURCE waivers — which still require a nursing-facility level of care.
Source: Georgia Department of Community Health — Georgia Medicaid (2026)
Other Georgia long-term care programs
- Division of Aging Services Home & Community Based Services. Georgia's main non-Medicaid help with long-term care comes from the Department of Human Services' Division of Aging Services, which funds Home and Community Based Services under the Older Americans Act for Georgians aged 60 and older and contracts with 12 Area Agencies on Aging to run them locally. Services include homemaker and personal care assistance, chore services, home modification and repair, emergency response systems, adult day services, caregiver respite, and home-delivered meals — none of it requiring Medicaid eligibility. Georgia also staffs a Long-Term Care Ombudsman office that investigates complaints in nursing homes, personal care homes, and assisted living facilities, and GeorgiaCares, the state's free Medicare and insurance counseling line, at 1-866-552-4464.
How to compare quotes in Georgia
- Confirm any agent or carrier you talk to is currently licensed to sell in Georgia — the Georgia Office of Commissioner of Insurance and Safety Fire can confirm licensing status.
- Ask which products a carrier is actively writing in Georgia today — availability changes state by state and year to year. See carriers we compare.
- If a Partnership-qualified policy matters to you, confirm with the carrier or agent whether a policy is currently certified as Partnership-qualified in Georgia — see this state's Partnership status above.
- Compare traditional and hybrid options side by side — see traditional vs. hybrid coverage.
- Get quotes from more than one carrier; pricing for the same coverage can vary significantly.
Please note: Regulator names, complaint channels, and Partnership-program status can change. Confirm current details with the Georgia Office of Commissioner of Insurance and Safety Fire or a licensed agent before making any decision. LongTermCareInsurance411 is not a government agency and does not administer Georgia's insurance regulations or Medicaid program.
Last updated: August 22, 2026
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