Maine long-term care insurance: cost & coverage

Who regulates long-term care insurance in Maine

Long-term care insurance policies sold in Maine are regulated by the Bureau of Insurance (Maine Department of Professional and Financial Regulation). 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 Maine

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

Source: SeniorLiving.org median assisted living costs, 2026. See costs for all 50 states for the full table.

Maine's LTC Partnership program

Maine has an active LTC Partnership program. Maine's Long-Term Care Partnership Program provides dollar-for-dollar MaineCare asset disregard for benefits paid under a qualifying policy.

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 to compare quotes in Maine

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

Last updated: July 30, 2026