Updated September 6, 2026. Quick answer: Yes. Montana participates in the federal Long-Term Care Partnership Program, using a dollar-for-dollar asset-protection model, under Mont. Code Ann. Section 53-6-803, Long-term care insurance partnerships authorized.
How the asset protection works
Montana 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. Mont. Code Ann. Section 53-6-803, Long-term care insurance partnerships authorized is the governing citation. In the state’s own words: “The long-term care insurance partnerships may in the department’s discretion be based on a dollar-for-dollar model or any other model that is cost-neutral.”
What the state itself says about moving
Montana’s own program materials, as read this session, do not spell out a reciprocity policy in so many words. The federal default (Deficit Reduction Act of 2005) is opt-out, not opt-in: most Partnership states honor each other’s policies unless a state has formally withdrawn. Confirm the current position directly with the Medicaid agency in the state you are moving to or from, in writing, before counting on it.
Which policies qualify
Montana’s own materials, as read this session, did not state a specific policy-issue-date cutoff in so many words. The federal baseline (Deficit Reduction Act of 2005) only covers policies issued after February 8, 2006 in any Partnership state; ask the insurer directly whether a specific policy carries the Partnership designation rather than assuming from its purchase date alone.
Estate recovery, not just eligibility
The federal rule requires the same protected amount to be disregarded twice: once when Montana decides Medicaid eligibility, and again later if Montana 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 Montana.
| 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 |
| This state’s core mechanism | protects $1 of assets for every $1 the policy pays out |
| State citation | Mont. Code Ann. Section 53-6-803, Long-term care insurance partnerships authorized |
| 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.