Oklahoma Cost of Care Calculator

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

Oklahoma Median
Long-Term Care 2020 2036(+16 Years) 2020 2036(+16 Years)
Homemaker Services $3,928 $6,492(+$32,143) $4,222 $6,979(+$34,554)
Home Health Aide $4,267 $7,053(+$34,924) $4,419 $7,303(+$36,161)
Adult Day Care $1,339 $2,213(+$10,958) $1,339 $2,213(+$10,958)
Assisted Living Facility $3,425 $5,661(+$28,027) $2,946 $4,869(+$24,108)
Semi-Private Room $4,778 $7,897(+$39,100) $4,856 $8,026(+$39,740)
Private Room $5,451 $9,010(+$44,612) $5,545 $9,165(+$45,381)
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State Information

Federal Partnership Program

The State of Oklahoma is a participant in the federal/state long-term care partnership program which Congress authorized as part of the Deficit Reduction Act of 2005.  The Oklahoma Long-Term Care Partnership program allows some asset protection if a partnership product is purchased and the individual later applies for SoonerCare (Oklahoma’s Medicaid program). In a collaborative effort with the Oklahoma Insurance Department and private insurance companies, individuals have an alternative to depleting or “spending down” their assets should they still need long-term care beyond the benefit period covered by their approved partnership policy.

Policy Example

This is “dollar-for-dollar” asset protection. For example, if your Oklahoma Long-Term Care Partnership policy paid $350,000 in benefits when you exhausted it, you receive an equal amount of asset protection – what is referred to as “asset disregard”. This means you may keep those assets without having to exhaust them to the normal limit required for SoonerCare eligibility. 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 Oklahoma. This means if you move from or to Oklahoma your partnership asset protection follows you as well.


Long-Term Care Medicaid spend down is $2,000. A spouse’s minimum asset allowance is minimum of $25,728 up to a maximum of one-half of countable assets up to $128,640. Your spouse’s minimum monthly income allowance is $3,216. * The home equity limit is $595,000.

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

Rate Stability Rules

In addition, Oklahoma 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 Oklahoma

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

Tax Incentives

The State of Oklahoma also offers a state tax incentive. It permits the same tax deduction as is allowed for federal income tax purposes.

 *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.

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