Long-Term Care Insurance in Boise, Idaho

Plan ahead for the future with long-term care insurance. Serving Boise and the Treasure Valley, we help individuals and families secure coverage that protects savings and provides financial support for home care, assisted living, or nursing facility expenses. With flexible options—including life insurance with LTC benefits—you can safeguard your independence and peace of mind.

(208) 203-7776

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Why Long-Term Care Planning Matters

Most Idaho families underestimate the real cost of long-term care. In Boise, assisted living averages $4,000–$5,000 per month, while nursing home care can exceed $100,000 per year.


Without planning, these costs quickly erode retirement savings and burden loved ones. Idaho also participates in the Long-Term Care Partnership Program, which helps protect assets from Medicaid spend-down rules.

Who Needs LTC Insurance?

  • Retirees who want to protect retirement savings
  • Families concerned about Medicaid spend-down
  • Business owners planning for succession and estate protection
  • Anyone wanting to avoid burdening loved ones with care costs


Reality check: More than 70% of Idahoans age 65+ will need some type of long-term care support during their lifetime.

The Cost of Waiting

Premiums increase as you age, and health changes can disqualify you. Planning early (50s–60s) ensures lower premiums and more coverage options.


We’ll:

  • Review your doctors, medications, and financial goals.
  • Compare traditional LTC, hybrid life + LTC, annuity-based, and short-term plans.
  • Help you protect your assets, independence, and family’s peace of mind.

FAQs

Got a question? We’re here to help.

  • What is the Idaho LTC Partnership Program?

    A state/federal initiative that lets policyholders protect assets equal to the benefits paid by their LTC policy if they later apply for Medicaid.

  • What’s the best age to buy long-term care insurance?

    Describe the item or answer the question so that site visitors who are interested get more information. You can emphasize this text with bullets, italics or bold, and add links.

  • What if I never use my LTC insurance?

    Hybrid policies ensure your premiums aren’t wasted—unused benefits transfer as a death benefit.

  • Can my spouse and I get joint coverage?

    Yes, many carriers offer shared-care riders.

  • Does Medicare cover long-term care?

    No. Medicare only pays for short-term skilled care after hospitalization, not custodial

Local Expertise, 20+ Years in Boise

Chris Antrim Insurance has served Boise & the Treasure Valley for over 20 years,  helping Idaho families protect what matters most. Unlike call centers, we offer personalized, local guidance and represent multiple carriers to ensure the best fit.


  • Options side-by-side: Traditional LTC, Hybrid Life + LTC, Partnership-approved plans.
  • Best for Boise families: Protect assets, keep doctors, and reduce out-of-pocket costs.
  • Local, independent, trusted: Over 20 years in Boise insurance.