Thinking about long term care for yourself or a loved one in Houma? It’s one of the heaviest topics a family can face. Many Terrebonne Parish families get caught off guard — suddenly scrambling to figure out how to pay for care without draining a lifetime of savings or placing an unbearable burden on their adult children. This guide is here to help you get ahead of it: what long term care really means, what it costs here in Louisiana, and the options you have to plan for it with confidence.

Key Takeaways

• Long term care isn’t just about nursing homes; it includes help at home, assisted living, and other support services needed when you can’t do daily activities on your own.
• Planning ahead is smart. Figuring out your long term care needs and how to pay for them now can save a lot of stress and money later.
• Long term care insurance houma louisiana families can consider is one way to cover these costs, but it’s not the only option. Hybrid policies and annuities are also possibilities.
• Louisiana has a Long Term Care Partnership Program that can help protect your assets while getting access to Medicaid benefits if needed.
• Talking with a long term care planning specialist can help you sort through all the choices and create a plan that fits your specific situation and wishes.

Understanding Long Term Care Needs in Terrebonne Parish

Planning for long-term care is a significant part of securing your family’s future, especially here in Terrebonne Parish. It’s about preparing for potential health needs that might arise as we age, requiring assistance with daily activities. This isn’t just about medical care; it often involves help with things like bathing, dressing, eating, or managing medications.

Defining Long Term Care

Long-term care refers to the support and services an individual may need if they are unable to perform basic activities of daily living (ADLs) on their own. These activities include eating, bathing, dressing, toileting, and transferring (moving from one place to another). Care can be provided in various settings, such as your home, an assisted living facility, or a nursing home. The need for long-term care can stem from chronic illnesses, disabilities, or cognitive impairments like Alzheimer’s disease.

Recognizing the Potential Costs of Extended Care

The expenses associated with long-term care can be substantial and often exceed what many families anticipate.

The reality of long term care costs in Louisiana (2024 Genworth data):

• Private nursing home room: about $91,250 a year
• Assisted living community: about $61,200 a year

Without preparation, these costs can quickly wipe out a lifetime of savings.

These figures highlight why having a plan is so important. Without preparation, these costs can quickly deplete savings and impact your financial security.

Assessing Personal Risk Factors for Needing Care

Several factors can influence your likelihood of needing long-term care. Age is a primary factor, as the risk generally increases with age. Genetics, lifestyle choices, and pre-existing health conditions also play a role. It’s also worth considering family history, as certain conditions may be more prevalent in some families. Understanding these personal risk factors allows for more tailored planning. For families seeking support and resources, the Louisiana Department of Health offers programs that can assist mothers, families, and caregivers.

Comprehensive Long Term Care Planning Strategies

The Importance of Proactive Planning

Thinking about long term care needs might not be the most exciting topic, but getting ahead of it is really important. Waiting until you or a loved one actually needs care can make things much more complicated and expensive. Proactive planning means you have more control over the type of care you receive and how it’s paid for. It’s about making thoughtful decisions now to protect your finances and your family’s peace of mind later.

Integrating Long Term Care into Your Financial Blueprint

Long term care planning isn’t something that should happen in a vacuum. It needs to be a part of your overall financial picture. This means looking at how potential care costs might affect your savings, retirement plans, and even your estate. It’s about fitting long term care into your budget and your goals, not just treating it as an afterthought. We need to consider how it fits with other financial tools you might be using.

Developing a Personalized Care Strategy

Everyone’s situation is different, so a one-size-fits-all approach to long term care just doesn’t work. Your personal care strategy should consider:

• Your current health and family history.
• Your financial resources and income.
• Your preferences for where and how you’d like to receive care.
• The potential needs of your spouse or other family members.

This strategy helps guide the decisions you make about funding and care options. It’s about building a plan that makes sense for you and your family here in Terrebonne Parish.

Exploring Long Term Care Insurance Options

When we talk about planning for long term care, insurance is often a big piece of the puzzle. It’s not the only piece, mind you, but it’s a significant one for many families here in Terrebonne Parish. Think of it as a way to set aside funds specifically for potential future care needs, without having to drain your savings or rely solely on family.

How Long Term Care Insurance Works

Long term care insurance is designed to help cover costs associated with services like nursing homes, assisted living facilities, or in-home care. Unlike traditional health insurance, which typically covers short-term medical needs, long term care insurance is for those longer periods where you might need help with daily activities like bathing, dressing, or eating. The policy pays out benefits based on the plan you choose, helping to offset the significant expenses that can arise.

Here’s a general idea of how it functions:

• Premiums: You pay regular premiums to keep the policy active. These costs can vary quite a bit based on your age, health, and the coverage you select.
• Benefit Triggers: Coverage typically kicks in when you can no longer perform a certain number of daily living activities or if you have a cognitive impairment like Alzheimer’s disease.
• Benefit Payout: Once approved, the policy pays benefits, either directly to the care provider or to you, up to the policy’s limits.

Key Features of Long Term Care Insurance Policies

Policies can look different, but most have a few core features you’ll want to understand. It’s about tailoring the coverage to fit your specific situation and budget. You’ll often see choices regarding the daily benefit amount, the elimination period (the time before benefits start paying), and the benefit period (how long benefits last).

Some common features include:

• Daily Benefit Amount: This is the maximum amount the policy will pay per day for care services. You can choose an amount that aligns with the average costs in our area, which can be quite high. For example, the median annual cost for a private room in a nursing home in Louisiana was about $91,250 in 2024.
• Benefit Period: This determines how long the policy will pay benefits, often ranging from 2 to 5 years, or even longer.
• Elimination Period: This is the waiting period you must satisfy before benefits begin. Common periods are 30, 60, 90, or 180 days. A shorter elimination period means benefits start sooner but usually results in higher premiums.
• Inflation Protection: This feature can increase your daily benefit amount over time to help keep pace with rising care costs. It’s a smart addition to consider for long-term planning.

Understanding Premiums and Benefits

Premiums for long term care insurance are influenced by several factors. Your age at the time of purchase is a big one; younger individuals generally pay less. Your health status is also critical, as insurers assess risk based on pre-existing conditions. The more coverage you want – a higher daily benefit, a longer benefit period, or shorter elimination period – the higher your premiums will be. For instance, a 60-year-old male might pay an average of $1,700 annually for a policy with a $165,000 initial benefit, a 90-day elimination period, and a 5-year benefit period.

It’s important to remember that premiums are not fixed forever. While many policies have guaranteed premiums for a certain period, insurers can request rate increases under specific circumstances, which are subject to state approval. This is why choosing a financially stable provider is so important.

When looking at long term care insurance, it’s not just about the sticker price of the premium. You need to weigh that against the potential benefits and how well the policy aligns with your overall financial picture and anticipated care needs. A policy that seems affordable now might not provide adequate coverage later if costs continue to rise.

For families in Houma and the surrounding Bayou Region, understanding these options is the first step toward securing peace of mind. Exploring different policy features and understanding how premiums and benefits work together can help you make an informed decision about protecting your future. If you’re looking for group insurance solutions for your business, South Louisiana Financial Services can be a resource.

Alternative Long Term Care Funding Solutions

While long term care insurance is a common tool, it’s not the only way to prepare for potential future care costs. Many families in Terrebonne Parish explore other options, often combining them with traditional insurance or using them as standalone strategies. Exploring these alternatives can lead to a more personalized and effective long-term care plan.

Hybrid Life and Long Term Care Policies

These policies blend life insurance with a long term care benefit rider. If you need long term care, you can access a portion of the death benefit to pay for services. If you don’t need care, the death benefit passes to your beneficiaries, much like a traditional life insurance policy. This offers a dual purpose: protection for your family and a way to cover potential care expenses. It’s a way to use your premium dollars for more than one potential need.

Linked-Benefit Annuity Solutions

Similar to hybrid life policies, these annuities offer a way to fund long term care needs while also providing a guaranteed income stream. You contribute a lump sum or regular payments, and the annuity grows tax-deferred. If you need long term care, you can withdraw funds tax-free up to a certain limit to cover costs. If you don’t need care, the annuity can provide a source of retirement income. This can be particularly appealing for those looking for guaranteed growth and income potential alongside care funding.

Self-Funding and Family Reserves

Some individuals and families choose to self-fund their long term care needs. This involves setting aside specific savings earmarked for future care. It requires disciplined saving and a realistic assessment of potential costs. The average monthly cost for a semi-private nursing home room in Louisiana runs about $7,480 a month, and for an assisted living facility, it’s about $5,100 a month. Without a plan, these costs can quickly deplete savings.

• Assess your current financial situation: Understand your income, assets, and expenses.
• Estimate potential care costs: Research the current and projected costs for different types of care in the Houma area.
• Determine a realistic savings goal: Based on potential costs and your risk tolerance, decide how much you need to save.
• Create a dedicated savings vehicle: Open a separate savings account specifically for long term care.

Self-funding requires a significant commitment and a clear understanding of the financial risks involved. It’s often best suited for individuals with substantial assets who are comfortable with managing their own investment strategy for care needs.

The Louisiana Long Term Care Partnership Program

Louisiana offers a special program designed to help residents plan for long term care needs while protecting their assets. This is known as the Long Term Care Partnership Program. It’s a collaboration between the state and private insurance companies to encourage people to buy qualified long term care insurance policies. The main idea is that if you have a policy that meets certain standards, you can get dollar-for-dollar protection for your assets against Medicaid spend-down rules, up to the amount your policy has paid out in benefits.

Here’s what that means in plain terms: say your Partnership policy pays out $150,000 for your care. That’s an extra $150,000 of your own savings you get to keep, shielded from Medicaid’s strict limits. You get the care you need, and you still have something to pass on to your family.

Benefits of the Partnership Program

The primary benefit of the Louisiana Long Term Care Partnership Program is asset protection. When you purchase a partnership-qualified policy, you gain a "disregard" of your assets for Medicaid eligibility purposes, equal to the benefits paid out by your policy. This means that as your policy pays for your care, the amount it pays is effectively shielded from Medicaid’s strict asset limits. This can be a significant advantage for families who want to preserve their savings and legacy while still receiving the care they need.

• Asset Protection: Dollar-for-dollar disregard of assets for Medicaid eligibility, up to the amount of benefits paid by the policy.
• Encourages Planning: Provides a strong incentive to purchase long term care insurance, promoting proactive planning.
• Access to Care: Helps ensure you can afford necessary care without depleting all your resources.

Eligibility Requirements for Louisiana Residents

To qualify for the Louisiana Long Term Care Partnership Program, you must be a resident of Louisiana and purchase a policy that meets specific state requirements. These requirements ensure that the policies provide meaningful protection and encourage responsible planning. Generally, these policies must cover a certain number of days of care, include inflation protection, and meet other consumer protection standards set by the state.

• Must be a Louisiana resident at the time of policy purchase.
• Policy must be "partnership-qualified" by the state.
• Must meet the insurance company’s underwriting requirements.

How Partnership Policies Protect Assets

Partnership policies work by coordinating with Medicaid. When you need long term care and your insurance benefits are exhausted, Medicaid can step in to cover costs. Because of the partnership, Medicaid will disregard a portion of your assets equal to the total amount your partnership policy has paid out. For example, if your policy paid out $100,000 in benefits, you could then have up to $100,000 more in assets than the standard Medicaid limit and still be eligible. This provides a safety net that allows for a more comfortable transition into needing long term care without immediate financial ruin. This program is a smart way to plan for future care needs while safeguarding your hard-earned savings.

The average monthly cost for a private room in a nursing home in Louisiana can be substantial, often exceeding $7,600 a month. Without a plan, these costs can quickly deplete savings. The Partnership Program offers a structured way to mitigate this financial risk.

Navigating Medicaid and Long Term Care Eligibility

Medicaid plays a significant role for many families when long term care needs arise, especially if other funding sources have been depleted. It’s a government program that can cover costs for nursing home care, assisted living, and in-home support services for those who meet specific financial and medical requirements. Understanding these rules is key to planning effectively.

Understanding Medicaid’s Role in Care

Medicaid is a joint federal and state program that provides health coverage to eligible low-income adults, children, pregnant women, elderly adults, and people with disabilities. For long term care, it’s often the payer of last resort, meaning it steps in after private insurance or personal funds are exhausted. This can include covering the costs of a nursing facility stay, which can be substantial. In Louisiana, Medicaid can help pay for these services, but strict eligibility rules apply. It’s important to know that Medicaid typically covers long term custodial care – the assistance with daily living activities like bathing, dressing, and eating – rather than skilled nursing care, which Medicare might cover for a limited time.

Medicaid Asset and Income Limitations

To qualify for Medicaid long term care benefits in Louisiana, individuals must meet both income and asset limits. These limits can change, so it’s always best to check the most current figures. Generally, an applicant must have limited income and resources. For instance, as of early 2026, the asset limit for an individual applying for long term care benefits is about $2,000 in countable assets, with a monthly income limit of $2,982 for a single applicant, excluding certain items like a primary residence (up to a certain equity limit) and a vehicle. Spouses who are not receiving care (community spouses) have different protections, allowing them to retain a portion of the couple’s assets, known as the Community Spouse Resource Allowance. Income limits are also strict, with most income needing to go towards the cost of care, except for a small personal needs allowance and potentially funds for the community spouse.

Medicaid-Positioning Strategies for Future Needs

Given these strict limits, families often consider Medicaid-positioning strategies well in advance of needing care. This involves carefully managing assets and income over time to meet eligibility requirements should the need arise. It’s not about hiding assets, but rather about structuring finances legally to comply with Medicaid rules. This might involve spending down assets on exempt items, such as home modifications, pre-paid funeral expenses, or certain types of insurance. For married couples, strategies can be put in place to protect the assets of the non-needy spouse. Proactive planning is essential, as attempting to transfer assets or change financial situations once care is imminent can lead to disqualification periods, known as the "look-back" period. Consulting with a specialist experienced in Louisiana’s Medicaid rules is highly recommended to explore these options safely and effectively.

Choosing the Right Long Term Care Insurance Provider

When you’re looking into long term care planning, selecting the right insurance provider is a big step. It’s not just about finding a policy; it’s about finding a company that will be there for you down the road. With 28 years of experience, I’ve seen how important this choice can be for families. Bringing that experience to Houma and Terrebonne Parish means I can help you sort through the options.

Evaluating Insurer Financial Strength

Before you commit to a policy, it’s smart to check how financially stable the insurance company is. You want a provider that’s likely to be around and able to pay claims for years to come. Companies are often rated by independent agencies based on their financial health. These ratings can give you a good idea of their ability to meet their obligations.

• Look for ratings from agencies like A.M. Best, Moody’s, S&P, and Fitch.
• Aim for companies with high ratings (e.g., A- or better).
• Understand that ratings can change, so it’s good to check periodically.

Comparing Policy Benefits and Riders

Long term care insurance policies aren’t all the same. They can vary quite a bit in what they cover and the extra features, or riders, they offer. Think about what kind of care you might need and for how long. Some policies offer inflation protection, which can help your benefit amount keep pace with rising care costs over time. Others might have different elimination periods (the time before benefits start) or benefit periods (how long benefits last).

Here’s a quick look at common policy features:

• Daily Benefit Amount: The maximum amount the policy will pay per day for care.
• Benefit Period: The total length of time benefits can be paid (e.g., 2, 5, or 10 years).
• Elimination Period: The number of days you must receive care before benefits begin (e.g., 30, 60, 90 days).
• Inflation Protection: An optional rider that increases the daily benefit amount over time.

Understanding Underwriting Requirements

When you apply for long term care insurance, the insurance company will review your health history. This process is called underwriting. They want to assess the risk of you needing care sooner rather than later. Be prepared to answer detailed questions about your medical history, current health, and lifestyle. Some conditions might affect your eligibility or the cost of the policy. It’s often best to apply when you are younger and healthier to get the most favorable rates and terms. This is where having a clear picture of your health can make a difference in finding the right long term care insurance.

The underwriting process is designed to ensure that premiums are set fairly based on individual risk factors. While it might seem like a hurdle, it’s a standard part of obtaining this type of coverage. Being upfront and thorough during this stage helps prevent surprises later on.

The Role of a Long Term Care Planning Specialist

Benefits of Expert Guidance

Thinking about long term care needs can feel overwhelming. It’s a complex area with many moving parts, from understanding potential costs to figuring out how to pay for care. This is where a long term care planning specialist comes in. With 28 years of experience, Kraig Strom, CFP®, ChFC®, now serves families in Houma and Terrebonne Parish. He brings a structured approach to help you make sense of it all. As a specialist, I can help you identify your unique risks and goals, then build a plan to meet them. I act as your guide through the options, making sure you’re not just reacting to a crisis but proactively preparing.

How a Specialist Can Tailor Your Plan

Long term care planning isn’t a one-size-fits-all situation. What works for one family might not be right for another. As a specialist, I look at your personal circumstances, including your health, family situation, and financial picture. I can explain the different ways to fund care, such as long term care insurance, hybrid life and long term care policies, or self-funding strategies. For instance, the cost of a private nursing home room in Louisiana can be substantial, averaging about $7,600 per month. Without a plan, this can quickly deplete savings. I help you explore options like the Louisiana Long Term Care Partnership Program, which can help protect your assets while qualifying for Medicaid if needed. I also consider how your care wishes align with your overall estate plan, making sure your legacy is protected.

Finding a Qualified Professional in Houma

When looking for someone to help with your long term care plan, credentials and experience matter. Kraig Strom, CFP®, ChFC®, has 28 years of experience and is now establishing his practice in Houma. He focuses on long term care planning as an umbrella concept, which includes exploring various tools like insurance, annuities, and asset protection strategies. You can find him at KraigStrom.com or schedule a consultation to discuss your specific needs. Getting professional guidance can provide peace of mind, knowing you’ve taken concrete steps to prepare for the future.

Integrating Long Term Care Planning with Estate Planning

When you think about planning for the future, your estate plan likely comes to mind. It’s how you decide what happens to your assets after you’re gone. But what about planning for your own care needs while you’re still here? Long term care planning and estate planning aren’t separate issues; they’re deeply connected. Failing to integrate them can lead to unexpected costs that deplete the very estate you worked to build.

Think about it: a significant long term care event, like needing in-home assistance or residing in a nursing facility, can be incredibly expensive. Without a plan, these costs can quickly eat into savings meant for your heirs. The average cost for a private room in a nursing home in Louisiana runs about $7,600 per month. That’s a substantial amount that could drastically alter your legacy.

Ensuring Your Wishes Are Honored

Your estate plan outlines your wishes for asset distribution, but it should also reflect your wishes for care. This means clearly stating who will make decisions for you if you can’t, and how your care will be funded. Without this clarity, family disputes can arise, and your preferences might not be followed.

Protecting Heirs from Care Costs

One of the biggest threats to an intended inheritance is the cost of long term care. If you haven’t planned for this possibility, your assets might be sold off to cover care expenses. This is where proactive long term care planning becomes vital. Strategies like long term care insurance or hybrid policies can provide a financial cushion, protecting your assets and allowing more of your estate to pass to your beneficiaries. Integrating these solutions into your overall financial picture means your legacy remains intact.

Coordinating Your Care and Legacy Plans

Bringing your long term care strategy and estate plan together creates a cohesive roadmap for your entire life, not just the end. It ensures that your financial resources are used according to your desires, both for your well-being and for the future of your loved ones. This coordination can involve:

• Reviewing your current estate documents (like wills and trusts) to see if they account for potential long term care needs.
• Exploring options like long term care insurance to fund care without draining your estate.
• Discussing your care preferences with family members to ensure everyone is on the same page.
• Considering how different funding methods, such as self-funding or partnership policies, align with your estate goals.

By addressing both your potential care needs and your legacy wishes simultaneously, you create a more secure and predictable future for yourself and your family here in Terrebonne Parish.

Preparing for Future Care Needs in Houma

Taking steps now to plan for potential long-term care needs is a smart move for families in Terrebonne Parish. It’s not about predicting the future, but about being ready for different possibilities. Thinking ahead can help you maintain control over your care choices and protect your finances.

Actionable Steps for Terrebonne Parish Families

Getting ready for future care involves a few key actions. It’s about building a plan that fits your life and your family’s situation. Here’s a look at what you can do:

• Assess Your Current Situation: Take stock of your health, your family’s health history, and your financial resources. Understanding where you stand is the first step.
• Explore Care Options: Learn about the types of care available in the Houma area, from in-home assistance to assisted living facilities. Knowing your options helps you make informed decisions later.
• Discuss with Family: Have open conversations with your spouse, children, or other close family members about your wishes and concerns. This helps everyone be on the same page.
• Review Your Finances: Look at your savings and any insurance policies you have. Consider how these might be used to cover potential care costs.

Scheduling Your Long Term Care Consultation

Getting professional advice can make a big difference. A consultation with a long-term care planning specialist can help you sort through the complexities. Kraig Strom, CFP®, ChFC®, brings 28 years of experience to families in Houma and the Bayou Region. He can help you understand the various tools available, such as long-term care insurance, hybrid policies, and self-funding strategies. This personalized guidance is key to creating a plan that truly meets your needs.

Securing Your Financial Future

Planning for long-term care is a significant part of securing your overall financial future. It’s about more than just covering costs; it’s about preserving your independence and ensuring your legacy. By taking proactive steps today, you can feel confident that you and your loved ones are better prepared for whatever the future may hold. The average annual cost for a private room in a nursing home in Louisiana can be around $91,250, a figure that highlights the importance of planning.

Thinking about how to take care of yourself or loved ones down the road? It’s smart to plan ahead for future care needs right here in Houma. We can help you figure out the best steps to make sure everything is covered. Visit our website today to learn more about planning for tomorrow.

Worried about protecting your savings and your family from the cost of long term care? The best time to plan is before a health crisis forces rushed decisions. Drop your question in the Ask Kraig box and we’ll review your options together — plain-English, no pressure.

Putting Your Long Term Care Plan into Action

So, we’ve covered a lot about preparing for long term care needs right here in Terrebonne Parish. It’s not the easiest topic to think about, but getting a plan in place now makes a huge difference down the road. Whether that means looking into long term care insurance, setting aside funds, or exploring other options, the key is to start the conversation. Don’t wait until you absolutely need care to figure out how you’ll pay for it or manage it. Taking these steps now can bring real peace of mind to you and your family. If you’re ready to discuss your specific situation and build a personalized long term care plan, reaching out is the next logical step. You can connect with Kraig Strom, CFP®, ChFC®, who brings 28 years of experience to Houma and the Bayou Region, to explore what works best for your family’s future.

Frequently Asked Questions

What exactly is long term care?

Long term care means the help you might need when you can’t do certain daily activities on your own, like bathing, dressing, or eating. This kind of care can happen because of an illness, a disability, or just getting older. It’s not just about medical needs; it’s about ongoing support for your everyday life.

Why should families in Terrebonne Parish plan for long term care now?

Planning ahead for long term care matters because the costs can add up quickly, and it’s tough to predict when you might need care. By planning now, families in Houma and around Terrebonne Parish can make sure they have a solid plan in place to cover these costs without putting a huge strain on their savings or their loved ones.

How much does long term care typically cost in Louisiana?

The cost of long term care can really vary, but in Louisiana, you’re looking at significant expenses. For example, a private nursing home room costs about $91,250 per year, and assisted living runs about $61,200 a year. These figures highlight why having a plan is crucial.

What’s the difference between long term care insurance and regular health insurance?

Think of it this way: regular health insurance usually covers doctor visits and hospital stays for short-term illnesses or injuries. Long term care insurance, on the other hand, is designed to help pay for the ongoing support you might need for an extended period, like help with daily living activities, whether that’s at home, in an assisted living facility, or a nursing home.

Are there other ways to pay for long term care besides insurance?

Yes, absolutely! Besides traditional long term care insurance, families can look into hybrid policies that combine life insurance with long term care benefits. Another option is using savings and investments, sometimes called self-funding. There are also programs like the Louisiana Long Term Care Partnership Program that can help protect your assets.

What is the Louisiana Long Term Care Partnership Program?

This is a special program in Louisiana that works with certain long term care insurance policies. If you have a Partnership policy and use its benefits, you can protect some of your savings and still qualify for Medicaid later on if you need that kind of assistance. It’s a smart way to get coverage and keep some assets safe.

How does Medicaid fit into long term care planning?

Medicaid can help pay for long term care services, but it has strict rules about how much money and assets you can have. If you’re planning for potential future care needs, it’s important to understand these limits. Sometimes, specific strategies are needed to position yourself to qualify for Medicaid if that’s part of your plan.

How can a long term care planning specialist help my family in Houma?

As a specialist, I can help a great deal. I understand all the different options available, from insurance to other funding methods. I can look at your unique situation, your family’s needs, and your financial picture to help you create a personalized plan that makes sense for you. They can guide you through the complex choices and ensure your wishes are met.

Sources

• Genworth & CareScout, 2024 Cost of Care Survey — Louisiana annual median costs. carescout.com/cost-of-care
• Louisiana Department of Health — Long-Term Care and Medicaid eligibility. ldh.la.gov
• Louisiana Department of Insurance — Long-Term Care Partnership Program. ldi.la.gov