Updated September 6, 2026. Quick answer: Yes. Maine participates in the federal Long-Term Care Partnership Program, using a dollar-for-dollar asset-protection model, under Maine Revised Statutes Title 22, Section 3174-GG, Long-term Care Partnership Program.
How the asset protection works
Maine uses a dollar-for-dollar asset-protection model: an amount of Medicaid-countable assets equal to what a qualified Partnership policy actually paid out is protected (disregarded) both when applying for Medicaid and later in Medicaid estate recovery. Maine Revised Statutes Title 22, Section 3174-GG, Long-term Care Partnership Program is the governing citation. In the state’s own words: “the program must disregard assets of an eligible person that are disclosed to the department in the application or posteligibility process in an amount equal to the benefits paid by the approved long-term care insurance policy.”
What the state itself says about moving
Maine’s own program materials address this directly, describing it this way: The department shall enter into reciprocal agreements with other states to extend the program to persons who purchased long-term care insurance policies equivalent to policies approved in this State and to extend similar programs in other states to persons who purchase approved policies in this State and who later relocate and apply for Medicaid long-term care benefits in other states.
Which policies qualify
Maine’s own materials tie the program to policies issued on or after 2005 (or the date its state plan amendment took effect that year). A long-term care policy bought before that cutoff is not automatically Partnership-qualified in Maine even if it otherwise looks similar; the policy’s own rider or outline of coverage should say “Partnership” or “Qualified State Long-Term Care Insurance Partnership” explicitly.
Estate recovery, not just eligibility
The federal rule requires the same protected amount to be disregarded twice: once when Maine decides Medicaid eligibility, and again later if Maine pursues Medicaid estate recovery against the person’s estate. A Partnership-qualified policy is doing two jobs, not one; see how estate recovery itself works in Maine.
| Federal Partnership framework itself | 20 years old (in place since February 8, 2006) |
| Federal inflation-protection buyer-age brackets | compound protection required under age 61; some protection required age 61 to age 76 |
| Maine’s own cutoff (since 2005) | 21 years old |
| This state’s core mechanism | protects $1 of assets for every $1 the policy pays out |
| State citation | Maine Revised Statutes Title 22, Section 3174-GG, Long-term Care Partnership Program |
| Federal authority | 42 U.S.C. § 1396p(b), Deficit Reduction Act of 2005 |
| Participates | Yes |
| Confidence | High |
For the federal rules behind this state page, see how Partnership reciprocity works when you move states and why inflation protection is a condition of staying Partnership-qualified.
Every citation on this page was read directly from the state’s own Insurance Department, Medicaid agency, statute, or administrative code this session (or, where that site could not be reached, from an independently cross-checked legal-database mirror of the same codified text, disclosed below). General information, not insurance, legal, or tax advice on any specific policy or application; program rules and reciprocity agreements can change, and your state’s Insurance Department or Medicaid agency has the final say.