The Pennsylvania Insurance Department oversees long-term-care insurance in the Commonwealth, setting policy standards and consumer-disclosure requirements. Its consumer guide frames insurance as a private coverage decision that should be measured against a policy's actual terms and a family's own situation — not treated as a given.
Long-term-care insurance sits apart from Medical Assistance eligibility, but a qualifying Partnership policy can still affect how resources are counted if Medicaid ends up being needed down the line.
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