Georgia Long Term Care Insurance in 2025: Updated Guide & Quotes

Average Daily Benefit Purchased: ~$173/day (up from $139/day in 2018)

Why Long Term Care Matters in Georgia

Georgia is now home to over 11 million people, and more than 1.6 million residents are age 65 or older. With the state’s population aging rapidly, long term care (LTC) needs are soaring. Whether it’s in-home help, assisted living, or full-time nursing care, these services are not covered by standard health insurance or Medicare. Medicaid will only help after most of your assets are depleted.

In 2011, Georgia’s Medicaid LTC costs exceeded $2 billion. In 2025, that figure is estimated to surpass $2.7 billion, and Georgia still ranks among the top five states for highest home health care costs.

Why You Need a Long Term Care Insurance Plan

A LTC insurance policy gives you control. You can:

  • Choose where and how you receive care
  • Protect your life savings and your home
  • Avoid burdening your children or family

Georgia residents have access to policies from more than 15 top-rated insurers. At LTC Tree, we help you compare plans independently so you can find the right fit.

Georgia Long Term Care Partnership Program

Georgia participates in the LTC Partnership Program, a joint effort between private insurers and the state Medicaid program. If you buy a qualified policy:

  • For every dollar your policy pays out, one dollar of your assets is protected from Medicaid spend-down
  • You may qualify for Medicaid without losing your home or nest egg
  • You get federal tax-qualified benefits and built-in inflation protection

How Inflation Protection Works

  • Under age 61: Policies must include compound annual inflation protection
  • Ages 61–75: Some form of inflation protection is required
  • 76+: Inflation protection is optional but highly recommended

Top 2025 Long Term Care Insurers in Georgia

  1. Mutual of Omaha
  2. National Guardian Life
  3. Securian Financial
  4. Thrivent Financial
  5. Northwestern Mutual
  6. Transamerica
  7. New York Life
  8. LifeSecure
  9. Bankers Life
  10. MassMutual

Most Active LTC Markets in Georgia (Latest average quote/day):

  • Atlanta: $124/day
  • Augusta: $248/day
  • Savannah, Roswell, Alpharetta, Columbus: ~$186/day
  • Cumming, Marietta, Peachtree City: ~$186/day

2025 Estimated Annual Costs of Long Term Care in Georgia
(Adjusted for inflation from 2018 Genworth data)

Region Private Nursing Home Semi-Private Room Assisted Living Adult Day Care Home Health Aide (44 hrs/week)
State Median $100,970 $93,353 $46,222 $19,370 $56,936
Atlanta $105,000 $100,600 $50,443 $25,534 $56,936
Augusta $97,477 $89,888 $43,964 $21,831 $56,936
Savannah $96,692 $91,038 $41,754 $17,126 $62,417
Brunswick $93,469 $88,258 $61,678 $8,078 $62,500
Columbus $91,883 $89,945 $40,992 $19,795 $52,583
Macon $108,624 $102,480 $51,838 $19,370 $49,700
Valdosta $112,700 $107,005 $44,640 $16,130 $47,654
Gainesville $94,137 $92,764 $52,080 $18,782 $62,500

Updated LTC Insurance Premium Estimates for Georgians
(Assuming: $300/day benefit, 3-year benefit period, 90-day elimination period)

Age Single Male Single Female Couple (Combined)
50 $2,354 $2,831 $4,090
55 $2,448 $2,954 $4,113
60 $2,577 $3,685 $4,207
65 $3,267 $4,875 $5,535

Why Act Now?

  • Premiums go up with age and health issues
  • Policies may not be available if your health changes
  • You protect both your independence and your family’s future

Let Us Help You Compare Plans We’ll help you compare all your top options in Georgia and nationwide. LTC Tree is independent and not tied to one insurance company.

Ready to protect your future? Fill out the short form on this page and we’ll match you with the best long-term care insurance options tailored to your budget, age, and goals.

Don’t wait until it’s too late. Plan ahead and protect what you’ve worked a lifetime to build.

Most Popular Long Term Care Companies in Georgia

  • 1) Genworth
    2) Mutual of Omaha
    3) Genworth Privileged Choice Flex 2
    4) Mutual of Omaha Mutual CarePlus
    5) Transamerica
    6) Mass Mutual
    7) Genworth Privileged Choice Flex
    8) Mutual of Omaha Mutual Care Plus
    9) Genworth Privileged Choice Flex2
    10) John Hancock Custom Care III2012
    11) Transamerica TransCare II 2012
    12) Mutual of Omaha MutualCareSecure Solution
    13) Mutual of Omaha MutualCare SecureSolution
    14) New York Life LTC SelectPremier 5. 5
    15) MedAmerica

Most Insured Cities in Georgia

  • 1) Atlanta – last quote: $100/day
    2) Marietta – last quote: $150/day
    3) Decatur – last quote: $150/day
    4) Alpharetta – last quote: $150/day
    5) Roswell – last quote: $150/day
    6) Snellville – last quote: $150/day
    7) Acworth
    8) Columbus – last quote: $150/day
    9) Lawrenceville – last quote: $150/day
    10) Savannah – last quote: $150/day
    11) Smyrna – last quote: $100/day
    12) Augusta – last quote: $200/day
    13) Woodstock – last quote: $150/day
    14) Cumming – last quote: $150/day
    15) Peachtree City – last quote: $150/day

Long Term Care in Georgia: 2025 Outlook

Georgia, like much of the nation, is facing a long-term care challenge — but the state has taken proactive steps to help residents protect their savings and prepare for the future.

With an aging population and growing care costs, more Georgians than ever are at risk of needing care that isn’t covered by traditional health insurance or Medicare. Medicaid only steps in after individuals have spent down most of their assets — a harsh reality for many families.

According to the U.S. Department of Health and Human Services, nearly 2 out of 3 Americans will need some form of long term care after age 65, yet 7 out of 10 have made no plan at all. That’s why long term care insurance is so critical — especially when purchased early, while you’re healthy and eligible for lower premiums.

Georgia Long Term Care Partnership Program

To address the coverage gap, the Georgia Long Term Care Partnership Program was created — a collaboration between private insurance carriers and state Medicaid. This public-private partnership is designed to:

  • Make long term care insurance more accessible

  • Protect assets from Medicaid spend-down rules

  • Reward those who plan ahead with dollar-for-dollar asset protection

Here’s how it works:
For every $1 your LTC policy pays in benefits, $1 of your assets is protected from Medicaid eligibility calculations and estate recovery. This allows families to receive the care they need without losing everything they’ve worked for.

Key Benefits of Georgia Partnership Policies

✅ Tax-qualified plans under federal law
✅ Inflation protection required, especially for those under age 61
✅ Home and community-based care may be included
✅ Medicaid asset protection on a dollar-for-dollar basis
✅ Estate recovery exemption up to the amount the policy pays out

Age-Based Inflation Protection:

  • Under 61: Must include compound annual inflation protection

  • Ages 61–75: Some level of inflation protection required

  • 76 and older: Inflation protection encouraged, but optional

Who Should Consider a Partnership Policy?

Partnership policies are especially smart for:

  • Middle- to upper-income earners who want to protect assets

  • Individuals in their 40s to early 60s who want lower premiums

  • Anyone looking to preserve savings while securing flexible care options

💡 Reminder: The younger and healthier you are when you apply, the lower your premiums and the better your options.

2025 Long Term Care Costs in Georgia (Inflation-Adjusted)

Below is a regional breakdown of estimated annual long term care costs in Georgia, adjusted for 2025 prices using current inflation data:

Region Private Room Semi-Private Assisted Living Adult Day Care Home Health (44 hrs/week)
State Median $100,900 $93,300 $46,200 $19,400 $56,900
Atlanta $105,000 $100,600 $50,600 $25,500 $56,900
Savannah $94,000 $89,100 $41,800 $17,100 $62,500
Macon $109,000 $102,600 $48,800 $19,400 $49,700
Columbus $92,100 $90,000 $41,000 $19,800 $52,600
Valdosta $112,700 $107,000 $44,700 $16,200 $47,600
Brunswick $93,600 $88,400 $61,700 $8,100 $62,500
Augusta $97,500 $89,900 $41,300 $21,800 $56,900
Rome $89,300 $89,300 $42,500 — $56,200

These costs demonstrate why planning ahead is so important. Without a strategy in place, the average Georgian could easily spend over $300,000 on care in retirement.

Take Action Today

You’ve worked hard to build your nest egg. Long term care shouldn’t be what drains it.

At LTC Tree, we help Georgia families compare policies from top-rated companies and walk them through the Georgia Partnership Program step-by-step. Our licensed team is here to simplify the process and protect what you’ve earned.

👉 Get a free custom quote today — no obligation, just honest guidance.
Fill out the short form below, and we’ll reach out with your personalized options.