Virginia 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.

Virginia Median
Long-Term Care 2020 2036(+16 Years) 2020 2036(+16 Years)
Homemaker Services $3,928 $6,492(+$32,143) $4,124 $6,817(+$33,751)
Home Health Aide $4,124 $6,817(+$33,751) $4,311 $7,125(+$35,278)
Adult Day Care $1,562 $2,582(+$12,784) $1,239 $2,047(+$10,136)
Assisted Living Facility $4,585 $7,578(+$37,520) $4,836 $7,993(+$39,575)
Semi-Private Room $7,676 $12,687(+$62,815) $7,362 $12,169(+$60,251)
Private Room $8,772 $14,499(+$71,789) $7,942 $13,127(+$64,995)
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State Information

Federal Partnership Program

The Commonwealth of Virginia participates in the federal/state long-term care insurance partnership program. The program, which was authorized under federal law (Deficit Reduction Act of 2005) provides consumers with additional asset protection if they own a qualified partnership long-term care insurance policy.

Virginians are now able to purchase LTC Partnership policies. The Virginia Long-Term Care Partnership is an alliance between the private insurance industry and the Virginia state government to help Virginians afford future long-term care services without depleting all of their assets to pay for care. LTC partnership policyholders who use their LTC Partnership insurance policy benefits, and who eventually apply for Medicaid coverage, are able to maintain some level of assets (equal to the long-term care insurance benefit paid) above the $2,000 Medicaid asset limit currently in place. This way, those policyholders have an additional safeguard for their estates based on the benefits paid out by the policy.

The Partnership Program also protects those assets after death from Medicaid estate recovery.

Policy Example

For every dollar that a Virginia Partnership Long-Term Care insurance policy pays in benefits, a dollar of personal assets can be protected (disregarded) during the Medicaid eligibility spend down. For example, if your Virginia Partnership Long-Term Care Insurance policy paid $425,000 in benefits that same amount would be disregarded in the calculation for Medicaid’s Long-Term Care benefit. You would be able to keep, in this example, $425,000, plus the normal allowance and still qualify for Medicaid. 


Most states have reciprocity with other states' long-term-care partnership programs including Virginia. This means if you move from or to Virginia 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 $2,113.75. * The home equity limit is $595,000.

For more information about the Medicaid program visit

Rate Stability Rules

In addition, Virginia 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 Virginia

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

Tax Incentives

Virginia offers a state tax deduction for long-term care insurance. The amount paid annually in LTC insurance premiums may be deducted from federal adjusted gross income in computing Virginia taxable income. The deduction is only allowed if the individual did not claim a deduction for these premiums 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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