Type of LTC Policy

Deciding What You Need


Counselors with the Department of Human Services, Aging and Adult Services or counselors with the Senior Health Insurance Program (SHIP) at the Division of Insurance can help you sort things out. They are able to assist with comprehensive, objective and unbiased information with Long-Term Care Planning for Colorado Consumers.

The articles and interactive tools from the U.S. Department of Health & Human Services can also help you answer the following questions:

  • Why should you think about Long-Term Care?
  • Are you at risk for Long-Term Care?
  • Are you prepared for Long-Term Care?
  • What are your financing options?
  • Why should you plan now

If you decide that long-term care insurance is for you, the following costs of care can help you decide how much coverage you may want.


Avg. daily rate nursing home, private

Avg. daily rate nursing home, semi-private

Avg. monthly rate, assisted living facility

Avg. hourly rate, home health aide

Avg. hourly rate, home-maker services

U.S. average






Colorado average






Denver Metro area







Source: 2016 Cost of Care Survey Genworth Financial