Kansas long-term care insurance: cost & coverage

Who regulates long-term care insurance in Kansas

Long-term care insurance policies sold in Kansas are regulated by the Kansas Department of Insurance. 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 Kansas

Median assisted living cost in Kansas vs. the national median:

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 Kansas

Assisted living is only one of the settings people use. Median monthly costs across the main care types in Kansas:

Source: SeniorLiving.org Cost of Care Research (2026)

Kansas's LTC Partnership program

Kansas has an active LTC Partnership program. The Kansas Partnership for Long-Term Care offers dollar-for-dollar Medicaid asset protection with reciprocity for policyholders moving to/from other Partnership states.

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 Kansas treats LTC premiums at tax time

Kansas taxes income, and it gives long-term care insurance no break of its own — no Kansas credit, and no subtraction line for premiums on Schedule S. What Kansas does allow is narrower, and the condition matters: premiums for a qualified long-term care insurance contract count only as a medical expense on Kansas Schedule A, only if your Kansas itemized deductions beat the Kansas standard deduction, and only for the part of your medical costs above 7.5% of your federal adjusted gross income. One Kansas rule helps here. You may itemize on your Kansas return even if you took the federal standard deduction, and the Kansas standard deduction is low — $3,605 single, $8,240 married filing jointly for 2025.

Source: Kansas Department of Revenue (2025)

This is general information, not tax advice. Confirm your own situation with a tax professional licensed in Kansas.

Medicaid long-term care in Kansas

Kansas's Medicaid program is KanCare, run by the Kansas Department of Health and Environment's Division of Health Care Finance. For long-term care the money test is strict: a single person in a nursing facility, or receiving Home and Community Based Services, may keep only $2,000 in countable assets. Kansas will not count the home if you intend to return to it. The state looks back five years at assets you sold or gave away, and there may be a penalty. Income is handled as a contribution rather than a cutoff — in a nursing facility, anything above $62 a month goes toward your care; on HCBS the figure is $2,982 a month. Married couples get separate Division of Assets, or spousal impoverishment, rules.

Source: Kansas Department of Health and Environment (KanCare) (2026)

Other Kansas long-term care programs

• Senior Care Act (SCA). Kansas's Senior Care Act is the program to know if you are 60 or older, need help at home, and are not on Medicaid. The Legislature created it, KDADS runs it through the Area Agencies on Aging, and it pays for in-home help — attendant care, respite care, homemaker, chore services and adult day care — on a sliding fee scale set by your income and assets. You contribute anywhere from a donation up to the full cost of the service. You must pass a functional assessment and meet income guidelines that Kansas re-sets every July, and the services on offer vary by county.
• HCBS Frail Elderly (FE) Waiver. The HCBS Frail Elderly waiver is Kansas's Medicaid route to being cared for at home rather than in a nursing facility. KDADS runs it, and it covers personal care, adult day care, home and vehicle modifications, specialized medical equipment, home telehealth, wellness monitoring and a personal emergency response system. Three things must all be true: you are 65, you meet the Medicaid nursing facility threshold score on a functional assessment, and you are financially eligible for Medicaid. You start by calling the Aging and Disability Resource Center at 1-855-200-2372, which does options counseling and refers you for the assessment.
• Senior Health Insurance Counseling for Kansas (SHICK). SHICK is Kansas's State Health Insurance Assistance Program, run by KDADS on federal ACL grant money. Trained counselors give free, confidential, one-on-one help by phone or face to face, and KDADS lists long-term care insurance by name among the topics they cover, alongside Medicare Parts A, B, C and D, Medicare supplement insurance and prescription drug assistance. Because a SHICK counselor is not selling anything, this is the cheapest second opinion a Kansan can get on a long-term care policy before signing it. The toll-free SHICK hotline is 800-860-5260.

How to compare quotes in Kansas

• Confirm any agent or carrier you talk to is currently licensed to sell in Kansas — the Kansas Department of Insurance can confirm licensing status.
• Ask which products a carrier is actively writing in Kansas 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 Kansas — 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 Kansas Department of Insurance or a licensed agent before making any decision. LongTermCareInsurance411 is not a government agency and does not administer Kansas's insurance regulations or Medicaid program.

Last updated: August 22, 2026