Nevada Long-Term Care

Specific long-term care information pertaining to Nevada.

Important State Information

Federal Partnership Program

The State of Nevada participates in the federal/state long-term care partnership program. Federal law gives authority to the states to establish these partnership programs to help people protect their assets from the high costs of long-term care. The federal Deficit Reduction Act (DRA)of 2005 set standards and gave states the ability to approve these plans.

The Nevada Long-Term Care Partnership Program is designed to encourage individuals to purchase long-term care insurance by allowing Medicaid to disregard some or all of their assets for eligibility purposes. However, individuals who do not have partnership-certified Long-Term Care Insurance will not qualify for the program.

Policy Example

It works very simply. if your qualified long-term care partnership policy paid $300,000 in benefits the state would “disregard” that amount from your estate in qualification for Medicaid long-term care benefits. Generally, Medicaid requires a spend-down of assets, a Nevada Partnership Long-Term Care policy provides dollar-for-dollar asset protection so a consumer can keep a portion of their estate based on the value of the benefits paid out and still access Medicaid.  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 Nevada.  This means if you move from or to Nevada your partnership asset protection follows you as well.


Long-Term Care Medicaid spend down is $2,000. A spouse’s minimum asset allowance is $25,284. Your spouse’s minimum monthly income allowance is $2,057.50. * 

For more information about the Medicaid program visit

Products Approved in Nevada

A variety of products are approved in Nevada for Long-Term Care planning. These include traditional plans, including partnership certified policies, short-duration policies, and asset-based “hybrid” plans.

Tax Incentives

There are no state tax incentives available in Nevada at this time. Federal tax incentives are available.

*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.

Nevada state emblem
State Breakdown
State Partnership Program
State Tax Incentives
Federal Tax Incentives
Rate Stability Rules
Medicaid Spend Down $2,000
Minimum Asset Allowance $25,284
Minimum Monthly Income Allowance $2,057.50

Calculate the Cost of Care in Nevada

View the costs of Long-Term Care in your area. Use the slider below to view future costs of care services with inflation.

Nevada Median
Long-Term Care 2019 2034(+16 Years) 2019 2034(+16 Years)
Homemaker Services $51,846 $80,775(+$30,439) $58,916 $91,789(+$34,589)
Home Health Aide $51,846 $80,775(+$30,439) $65,986 $102,804(+$38,740)
Adult Day Care $19,282 $30,040(+$11,320) N/A N/A
Assisted Living Facility $43,260 $67,398(+$25,398) $55,620 $86,654(+$32,654)
Semi-Private Room $101,695 $158,437(+$59,704) $112,033 $174,544(+$65,774)
Private Room $114,477 $178,352(+$67,209) $114,665 $178,644(+$67,319)

Long-Term Care Throughout Nevada

Las Vegas

The City of Las Vegas is the nation’s 28th-most populated city and the largest city in Nevada. The metro area includes the city of Henderson, Paradise and Spring Valley. The average cost of a skilled nursing facility runs $9,338 a month. The cost of an Assisted Living Facilityaverages $3,168 a month. Adult Day Care Centers average $1,647 a month. Care at home, based on a 44-hour week, averages $4,195 a month.


The Reno metro area, which includes Carson City and Fernley, is the other major population center in the state. The average cost of a skilled nursing facility runs $8,616 a month. The cost of an Assisted Living Facilityaverages $4,000 a month. Adult Day Care Centers average $1,560 a month. Care at home, based on a 44-hour week, averages $4,385 a month.

Area 51/Homey Airport/Groom Lake

Area 51 does not have known facilities for long-term care, at least for humans. Generally, Long-Term Care Insurance only provides coverage in the United States, in addition to limited international coverage. However, no company offers coverage on alien planets or, for that matter, any intergalactic coverage. On Earth, you must be a human being to be eligible for coverage, alien life forms of any kind would generally not be eligible.

More Locations

Other population centers in Nevada include Elko, Enterprise, Pahrump, Sparks, Summerlin South Sun Valley, Sunrise Manor, Whitney, and Winchester.