West Virginia Long-Term Care Insurance (*)

West Virginia regulates long-term-care insurance through its own Long-Term Care Insurance Act, which lays out several purposes: promoting the availability of LTC coverage, protecting applicants from unfair or deceptive sales and enrollment tactics, setting minimum standards, and helping consumers actually understand and compare the coverage they're being offered. The Act gives the Insurance Commissioner rulemaking authority, and the resulting long-term-care regulation is generally known as Insurance Commissioner Series 114-32.

Being regulated doesn't make a policy interchangeable with Medicaid, though. Anyone considering a purchase — or relying on a policy they already hold — should look closely at the actual contract: benefit triggers, elimination period, which care settings are covered, inflation protection, exclusions, premium history, and nonforfeiture terms, and should confirm current policy status directly with the carrier. West Virginia does retain a statutory Partnership framework for qualifying policies, but current new-sale availability should be confirmed directly with the Insurance Commissioner's office, since a sales illustration is not the same thing as a Medicaid eligibility determination.