Updated September 6, 2026. Quick answer: Yes. West Virginia participates in the federal Long-Term Care Partnership Program, using a dollar-for-dollar asset-protection model, under W. Va. Code Section 9-4E-3, Long-term care partnership program.
How the asset protection works
West Virginia 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. W. Va. Code Section 9-4E-3, Long-term care partnership program is the governing citation. In the state’s own words: “the assets an individual owns and may retain under Medicaid and still qualify for benefits under Medicaid”
What the state itself says about moving
West Virginia’s own program materials address this directly, describing it this way: The Bureau of Medical Services shall pursue reciprocal agreements with other states to extend the asset disregard to West Virginia residents who purchased long-term care partnership policies in other states that are compliant with Title VI, Section 6021 of the Federal Deficit Reduction Act of 2005.
Which policies qualify
West Virginia’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 West Virginia decides Medicaid eligibility, and again later if West Virginia 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 West Virginia.
| 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 | W. Va. Code Section 9-4E-3, 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.