Short-Term Care State Availability
Short‑term care insurance can provide valuable protection for clients who need temporary support following an illness, injury, or medical event. It serves as a viable alternative to traditional long-term care insurance or a bridge to cover costs during an elimination period or while waiting to qualify for Medicaid benefits. Because availability and policy features may vary by state, we’ve provided an easy-to-reference chart below to help you identify where each short-term care policy is currently approved for sale. Use this information as a starting point when evaluating options for your clients.
Updated March 2026
✓ = Available · N/A = Not available
Download PDF
| State | AETNA HHC Plus | AETNA Recovery Care | AETNA Recovery Care Choice | Cigna HealthCare Choice | GTL Home Care Secure | GTL Home Health Care | GTL Recover Cash | Manhattan Life Home Health Care Enhanced | OmniFlex | Wellabe |
|---|---|---|---|---|---|---|---|---|---|---|
| A Exc. | A Exc. | A Exc. | A Exc. | A- Exc. | A- Exc. | A- Exc. | B++ | B++ Good | A- Exc. | |
| Alabama | ✓ | N/A | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Alaska | N/A | N/A | N/A | N/A | N/A | ✓ | ✓ | N/A | N/A | N/A |
| Arizona | ✓ | N/A | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Arkansas | ✓ | N/A | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| California | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Colorado | ✓ | N/A | ✓ | N/A | ✓ | ✓ | N/A | N/A | ✓ | ✓ |
| Connecticut | N/A | ✓ | N/A | N/A | N/A | N/A | ✓ | N/A | N/A | N/A |
| Delaware | ✓ | ✓ | N/A | N/A | N/A | ✓ | ✓ | N/A | N/A | N/A |
| District Of Columbia | N/A | N/A | N/A | N/A | N/A | ✓ | ✓ | N/A | ✓ | N/A |
| Florida | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Georgia | ✓ | N/A | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Hawaii | N/A | N/A | N/A | ✓ | N/A | ✓ | ✓ | N/A | ✓ | N/A |
| Idaho | ✓ | ✓ | N/A | N/A | N/A | ✓ | ✓ | N/A | ✓ | ✓ |
| Illinois | ✓ | N/A | ✓ | ✓ | ✓ | ✓ | ✓ | N/A | ✓ | ✓ |
| Indiana | ✓ | ✓ | N/A | N/A | ✓ | ✓ | ✓ | N/A | ✓ | ✓ |
| Iowa | ✓ | ✓ | N/A | N/A | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Kansas | N/A | N/A | N/A | N/A | ✓ | ✓ | N/A | N/A | N/A | N/A |
| Kentucky | ✓ | ✓ | N/A | N/A | ✓ | ✓ | ✓ | N/A | ✓ | N/A |
| Louisiana | ✓ | ✓ | N/A | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Maine | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ✓ | ✓ |
| Maryland | N/A | ✓ | N/A | N/A | N/A | ✓ | ✓ | N/A | ✓ | N/A |
| Massachusetts | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Michigan | ✓ | N/A | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Minnesota | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Mississippi | ✓ | N/A | ✓ | ✓ | ✓ | ✓ | ✓ | N/A | ✓ | ✓ |
| Missouri | ✓ | N/A | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Montana | ✓ | N/A | ✓ | N/A | N/A | ✓ | ✓ | N/A | ✓ | N/A |
| Nebraska | ✓ | N/A | ✓ | ✓ | ✓ | ✓ | ✓ | N/A | ✓ | ✓ |
| Nevada | ✓ | N/A | ✓ | ✓ | N/A | ✓ | ✓ | N/A | ✓ | ✓ |
| New Hampshire | ✓ | N/A | ✓ | N/A | N/A | N/A | ✓ | N/A | ✓ | N/A |
| New Jersey | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| New Mexico | ✓ | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| New York | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| North Carolina | ✓ | N/A | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| North Dakota | ✓ | N/A | ✓ | N/A | N/A | N/A | N/A | N/A | ✓ | N/A |
| Ohio | ✓ | N/A | ✓ | N/A | ✓ | ✓ | ✓ | N/A | ✓ | ✓ |
| Oklahoma | ✓ | N/A | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Oregon | ✓ | N/A | ✓ | ✓ | N/A | ✓ | ✓ | N/A | ✓ | N/A |
| Pennsylvania | ✓ | ✓ | N/A | N/A | N/A | ✓ | ✓ | N/A | ✓ | N/A |
| Rhode Island | ✓ | ✓ | N/A | ✓ | N/A | ✓ | ✓ | N/A | ✓ | N/A |
| South Carolina | ✓ | N/A | ✓ | N/A | ✓ | ✓ | ✓ | ✓ | ✓ | N/A |
| South Dakota | ✓ | N/A | ✓ | N/A | N/A | ✓ | ✓ | N/A | ✓ | ✓ |
| Tennessee | ✓ | N/A | ✓ | N/A | ✓ | ✓ | ✓ | ✓ | ✓ | N/A |
| Texas | ✓ | N/A | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Utah | ✓ | ✓ | N/A | N/A | N/A | ✓ | ✓ | N/A | N/A | N/A |
| Vermont | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Virginia | ✓ | ✓ | N/A | N/A | N/A | N/A | ✓ | N/A | N/A | N/A |
| Washington | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| West Virginia | ✓ | N/A | ✓ | ✓ | N/A | ✓ | ✓ | ✓ | N/A | ✓ |
| Wisconsin | ✓ | N/A | ✓ | N/A | N/A | N/A | N/A | ✓ | N/A | ✓ |
| Wyoming | ✓ | N/A | ✓ | N/A | N/A | ✓ | ✓ | N/A | N/A | ✓ |
