Tennessee long-term care insurance: cost & coverage

Who regulates long-term care insurance in Tennessee

Long-term care insurance policies sold in Tennessee are regulated by the Tennessee Department of Commerce and 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 Tennessee

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

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

Tennessee's LTC Partnership program

Tennessee has an active LTC Partnership program. Tennessee's LTC Partnership program provides "Asset Disregard" dollar-for-dollar protection against TennCare (Medicaid) spend-down.

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 Tennessee

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

Last updated: July 30, 2026