Kansas Long-Term Care Resources

Discover state-specific information on long-term health care costs, taxes, rules, care options, and other information for Kansas residents.

State Information

Kansas participates in the long-term care partnership program giving those with a qualified Long-Term Care Insurance policy dollar-for-dollar asset protection. Quality care options are available statewide, and several insurance solutions are available.

However, rapidly increasing costs for care services in Kansas are becoming burdensome on residents and their families for those who do not have Long-Term Care Insurance.

There are a wide variety of care options available in Kansas for those who require long-term health care services, including 

  • adult day care centers
  • assisted living facilities
  • continuing care retirement communities
  • home health care providers
  • memory care facilities
  • rehabilitation facilities
  • traditional nursing homes

Top insurance companies have several insurance options to help residents safeguard income and assets, protect lifestyles, and preserve a legacy. Plus, policyholders will have access to quality care options giving loved ones the time to be family instead of caregivers.

Federal Partnership Program

The Kansas Long-Term Care Partnership Program offers a way for Kansans to protect their assets if they ever need to apply for Medicaid services. The initiative encourages Kansans to partner with the state-based program as they purchase qualified private long-term care insurance policies.

This is called “dollar-for-dollar asset protection” or “asset disregard”. If you have a qualified partnership long-term care insurance policy and exhaust all your benefits you are able to protect your estate, based on the total benefits paid by the policy, and still qualify for Medicaid.

Policy Example

For example, if your policy paid $350,000 in benefits you get $350,000 in asset disregard. No matter what happens, your estate will be protected by that amount. The Partnership Program also protects those assets after death from Medicaid estate recovery.


Most states have reciprocity with other states' long-term-care partnership programs including Kansas. This means if you move from or to Kansas your partnership asset protection follows you as well.

Please note, if you live in Kansas City, Missouri it would be the Missouri Long-Term Care Partnership Program which would apply.


Long-Term Care Medicaid spend down is $2,000. A spouse’s minimum asset allowance is minimum of $26,076 up to a maximum of one-half of countable assets up to $130,380.   Your spouse’s minimum monthly income allowance is $2,155. * The home equity limit is $603,000.

For more information about the Medicaid program visit www.medicaid.gov.

Rate Stability Rules

In addition, Kansas consumers enjoy additional peace-of-mind as the state has adopted Long-Term Care Insurance Rate Stability Rules.  These rules, developed the National Association of Insurance Commissioners, makes it much harder for an insurance company to get an approved rate increase.

Products Approved in Kansas

A variety of products are approved in Kansas for Long-Term Care Planning. This includes tradition policies, including those certified under the Kansas Partnership Program, short-duration plans and asset-based or “hybrid” policies.

Tax Incentives

There are no current state tax incentives available at this time, federal tax incentives do apply.

Reverse Mortgages in Kansas

Reverse mortgages are available in Kansas. A reverse mortgage is a home equity loan where the borrower does not have to make payments.

This type of mortgage can increase monthly income, eliminate mortgage payments, and even fund Long-Term Care Insurance. However, Kansas has many rules on these products, and you should seek the help of a qualified and licensed mortgage broker. 

If you have significant equity in your home and you and your spouse are at least 62 years old, you can get a reverse mortgage to turn your equity into funding long-term health care, pay for an LTC Insurance policy, pay bills and add to your retirement lifestyle.

The home must be the principal residence without any tax liens. 

Learn more about reverse mortgages by clicking here.

*The federal government sets a new minimum and maximum amounts each year, but states can set their own minimum requirements at any level between the federal limits. This information is based on the best available sources

Kansas state emblem

State Breakdown

State Partnership Program
State Tax Incentives
Federal Tax Incentives
Rate Stability Rules
Medicaid Spend Down $2,000
Minimum Asset Allowance $26,076
Minimum Monthly Income Allowance $2,155
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Kansas Cost of Care Calculator

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Long-Term Care Throughout Kansas

Kansas City

The Kansas City metro area is part of both Kansas and Missouri. On the Kansas side is Kansas City, Kansas, Overland Park, and other suburbs. The average skilled nursing facility cost runs $6,498 a month. The cost of an Assisted Living Facility averages $4181 a month. Adult Day Care Centers average $1,789 a month. Care at home, based on a 44-hour week, averages $4,527 a month.

Remember, assisted living cost estimates are for base costs. These long-term health care facilities will also have surcharges that will be added to the bill based on additional services that the care recipient requires. 


Wichita is the largest city in the state. The average skilled nursing facility cost runs $6,127 a month. The cost of an Assisted Living Facility averages $4,881 a month. Adult Day Care Centers average $1,996 a month. Care at home, based on a 44-hour week, averages $4,331 a month.

More Locations

Other population centers in Kansas include Dodge City, Hutchinson, Lawrence, Leavenworth, Leawood Lenexa, Manhattan, Olathe, Topeka, Salina, Shawnee.

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