Long-term care • Georgia
Georgia Long-Term Care Insurance: Costs, Medicaid Waivers, and Partnership Policies
Georgia’s care costs are below the national median for assisted living, at $63,600 a year in 2025, and a private nursing home room ran $113,150. Lower costs mean a long-term care policy’s benefits stretch further, but care still adds up quickly. Medicare won’t pay for long-term custodial care, so Georgians plan with savings, insurance, and Medicaid waivers such as CCSP and SOURCE.
This guide covers Georgia care costs, Medicaid programs, partnership policies, and coverage options.
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What care costs in Georgia
| Type of care | Georgia median |
|---|---|
| Assisted living community | $63,600 |
| Nursing home, semi-private room | $105,850 |
| Nursing home, private room | $113,150 |
Source: CareScout Cost of Care Survey, July–November 2025. The national median for assisted living was $76,200. Costs vary within the state, often running higher in metro areas.
Medicaid long-term care in Georgia
Georgia Medicaid pays for nursing home care and, through waivers such as the Community Care Services Program (CCSP) and SOURCE, some home and community-based services once you meet income, asset, and care-need rules. Home and community-based programs often have limited slots, so waiting lists can occur. Like most states, Georgia reviews asset transfers made in the five years before you apply. An elder law attorney can explain current state limits.
Choosing a benefit amount in Georgia
Because Georgia’s costs are lower than in many states, you may not need as large a daily or monthly benefit to cover care. A $5,000 monthly benefit would cover most of Georgia’s 2025 median assisted living cost of $5,300 a month. If you might retire elsewhere, size the benefit to the more expensive location, and add inflation protection so it keeps pace with rising costs.
Partnership policies in Georgia
Georgia participates in the long-term care partnership program; nationally, only a handful of states, including Alaska, Hawaii, Massachusetts, Mississippi, Utah, and Vermont, don’t (Partnership for Long-Term Care). A partnership-qualified policy lets you keep assets equal to the benefits it paid if you later need Medicaid. Policies must include inflation protection based on your age at purchase. See how partnership programs work.
What Medicare won’t pay
Medicare doesn’t cover long-term custodial care, the everyday help with bathing, dressing, and eating that most people need (Medicare.gov). It can cover a skilled nursing facility stay of up to 100 days after a qualifying hospital stay, but in 2026 you pay $217 a day for days 21 through 100 (CMS). For longer care, Georgia residents rely on savings, insurance, or Medicaid.
Protections for a spouse at home
Federal rules protect part of a married couple’s assets and income when one spouse needs Medicaid long-term care. For 2026, states protect between $32,532 and $162,660 in assets for the spouse at home, with a monthly income allowance of at least $2,643.75 and up to $4,066.50 (CMS). Each state chooses where within those ranges to set its limits.
Coverage options for Georgia residents
- Traditional long-term care insurance: the most care benefit per premium dollar, though premiums can rise.
- Hybrid life and LTC policies: care benefits plus a death benefit if you don’t need care.
- Life insurance riders: use part of a death benefit for care.
- Short-term care insurance: covers a year or less of care, with simpler underwriting.
Premiums for tax-qualified policies can be deductible as medical expenses, up to $4,960 for ages 61 to 70 and $6,200 for 71 and older in 2026 (ElderLawAnswers).
Example: three years of assisted living
Illustrative only: three years in a Georgia assisted living community at the 2025 median would cost about $190,800. A policy paying $5,000 a month for three years would cover about $180,000 of that.
Checklist for Georgia residents
- Estimate care costs in your area; metro Atlanta usually costs more.
- Size your benefit to where you expect to live.
- Ask whether a policy is partnership-qualified.
- Talk with an elder law attorney before moving assets.
- Compare options while you’re healthy.
Georgia long-term care FAQs
How much does a nursing home cost in Georgia?
The 2025 median for a private room was $113,150 a year, according to CareScout.
How much does assisted living cost in Georgia?
The 2025 median was $63,600 a year.
Does Medicare pay for long-term care in Georgia?
No. Medicare doesn’t cover long-term custodial care, though it can cover short skilled nursing stays.
Does Georgia have a long-term care partnership program?
Yes. Partnership-qualified policies are available in Georgia.
What are CCSP and SOURCE?
Georgia Medicaid waiver programs that provide home and community-based services.
Does Georgia Medicaid have a look-back?
Yes. Transfers made in the five years before applying are reviewed.
How much long-term care coverage do I need in Georgia?
A $5,000 monthly benefit would cover most of the 2025 median assisted living cost, but plan for inflation.
Related guides
Important information
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Cost and program figures. Care costs, Medicare and Medicaid amounts, and tax limits are cited from the sources named, for the years shown, and change regularly. Examples are illustrative, not quotes; your price depends on the insurer, your age, health, and the coverage you choose.
Not tax, legal, or Medicaid planning advice. Rules summarized here are general information as of November 2026. Talk with a tax professional or elder law attorney about your situation.
Availability. Coverage, prices, discounts, and eligibility vary by insurer, state, and applicant, and are subject to underwriting. The issued policy controls.
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