Rhode Island long-term care insurance: cost & coverage
What long-term care costs in Rhode Island, who regulates insurance here, whether the state has an LTC Partnership program, and how to compare quotes.
Who regulates long-term care insurance in Rhode Island
Long-term care insurance policies sold in Rhode Island are regulated by the Rhode Island Division 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 Rhode Island
Median assisted living cost in Rhode Island vs. the national median:
| Location | Median / month | Approx. / year |
|---|---|---|
| Rhode Island | $7,466 | $89,592 |
| 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 Rhode Island
Assisted living is only one of the settings people use. Median monthly costs across the main care types in Rhode Island:
| Type of care | Median / month | Approx. / year |
|---|---|---|
| Home health aide | $6,535 | $78,420 |
| Assisted living | $7,466 | $89,592 |
| Nursing home (semi-private room) | $12,100 | $145,200 |
| Nursing home (private room) | $13,472 | $161,664 |
Source: SeniorLiving.org Cost of Care Research (2026)
Rhode Island's LTC Partnership program
Rhode Island has an active LTC Partnership program. Rhode Island's Qualified Long-Term Care Insurance Partnership (QLTCIP), codified at R.I. Gen. Laws 40-8-22, provides dollar-for-dollar Medicaid asset disregard.
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 Rhode Island
Rhode Island's Partnership for Long-Term Care is coordinated by the state's Department of Human Services (now organized under the Executive Office of Health and Human Services), which precertifies long-term care insurance policies eligible for the program. The program was created by the General Assembly in 1993 and updated in 2007 to align with federal partnership requirements. Only a precertified policy — one meeting the state's regulatory standards before it is sold — qualifies its purchaser for protection, and that protection lasts for the purchaser's lifetime as benefits are paid under the policy.
Source: Rhode Island General Laws § 40-8-22 (2007)
How Rhode Island treats LTC premiums at tax time
Rhode Island does not offer a state income tax deduction or credit specifically for long-term care insurance premiums. The state's Schedule M, which lists every modification to federal adjusted gross income Rhode Island allows, contains no line for long-term care insurance premiums. That leaves Rhode Island taxpayers dependent on the federal itemized medical-expense deduction, which only counts unreimbursed medical costs above 7.5% of federal AGI.
Source: Rhode Island Division of Taxation (2025)
This is general information, not tax advice. Confirm your own situation with a tax professional licensed in Rhode Island.
Medicaid long-term care in Rhode Island
Rhode Island's Medicaid Long-Term Services and Supports (LTSS) program, run by the Department of Human Services within the Executive Office of Health and Human Services, requires applicants to clear both a financial and a clinical level-of-care test. An individual applicant's countable resources cannot exceed $4,000, and the program also reviews a spouse's income and assets. Rhode Islanders who fall short of Medicaid LTSS eligibility may still qualify for lower-cost in-home or assisted-living support instead.
Source: Rhode Island Department of Human Services (2026)
Other Rhode Island long-term care programs
- At HOME Cost Share. Rhode Island's Office of Healthy Aging runs the At HOME Cost Share program, which helps adults 65 and older — plus adults 19-64 with a diagnosis of Alzheimer's or a related dementia — pay for in-home and adult day services when they don't qualify for Medicaid LTSS. There is no asset limit; instead, a participant's share of the cost is set by income, capped at 250% of the Federal Poverty Level, and by a needs assessment.
How to compare quotes in Rhode Island
- Confirm any agent or carrier you talk to is currently licensed to sell in Rhode Island — the Rhode Island Division of Insurance can confirm licensing status.
- Ask which products a carrier is actively writing in Rhode Island 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 Rhode Island — 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 Rhode Island Division of Insurance or a licensed agent before making any decision. LongTermCareInsurance411 is not a government agency and does not administer Rhode Island's insurance regulations or Medicaid program.
Last updated: August 22, 2026
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