Texas Long Term Care Insurance - The Widest Selection in the Country

Texas offers the most comprehensive selection of long-term care insurance products of any state in the nation. From short-term care to traditional long-term care, hybrid life/long-term care insurance, and lifetime income hybrid annuity products - you have access to the cream of the crop with over 20-25 companies competing for your business.

At LTC Tree, we've been helping Texans find the right long-term care solution for over 20 years. Founded on the principle that we work for you, not the insurance company, we'll help you navigate all available options to find the best plan for your particular situation. As independent agents licensed in Texas, we don't care which company you choose - we want you to get the best coverage from a highly-rated company at the lowest price.

Texas Partnership Program - Protect Your Assets

One of the biggest advantages of buying long-term care insurance in Texas is the state's Partnership Program, established in 2007. Most of our clients in Texas want to avoid the welfare system (Medicaid), and the Partnership Program gives you a powerful incentive to plan ahead.

Here's how it works: The state will match dollar for dollar whatever your long-term care policy pays out. If your policy pays out $500,000 in benefits and you still need care, instead of having to spend your assets down to zero for Medicaid, you can keep $500,000 in assets. If your policy pays out a million dollars, you can shelter a million from the Medicaid clawback.

This means if you do the right thing and plan ahead by buying a long-term care policy, you won't be penalized as severely if it runs out and you need to apply for Medicaid. If you buy a Partnership policy in Texas and later move to a reciprocal state, your protection moves with you.

Cost of Care in Texas

The good news for Texans: Not everything is bigger in Texas - and that includes long-term care costs. While care costs vary across the state, premiums are generally lower here than in many other states because of the lower overall cost of care.

• Texas Average: Around $8,000 per month
• Northeast States (like New Jersey): Up to $14,000 per month
• Rural Texas: Often $3,000 to $5,000 per month

These lower costs translate directly into more affordable premiums for long-term care insurance.

Compare Side-by-Side Long-Term Care Plans in 3 Minutes

Why Work with LTC Tree?

Not every client needs the same solution. We spread our business across multiple major carriers like Nationwide, Mutual of Omaha, and others because we're committed to finding the best plan for your particular niche and situation.

As state-licensed agents in Texas, we can provide specific solutions tailored to each client. Just a quick phone call or visit to ltctree.com starts the conversation about what premiums will cost and which of Texas's many plan options work best for you.

Available Companies in Texas

We have access to quote rates from leading insurers including:

• Lincoln Moneyguard
• Pacific Life
• Genworth (Privileged Choice Flex)
• Mass Mutual
• Transamerica Transcare II
• Mutual of Omaha
• Nationwide CareMatters
• LifeSecure
• State Life Insurance Company
• Federal LTC Program 2.0
• State Farm*
• Northwestern Mutual*
• New York Life*

*We can provide quotes and assist with locating a partner for these companies.

Available Discounts

Texas residents may qualify for various premium discounts including marital/partner discounts (5-15%), joint policy discounts (25-40%), health discounts (up to 40%), and small business discounts (5%). Contact us to see which discounts you qualify for.