Assisted living costs in Texas can be a burden for seniors because they are not cheap and may increase, depending on the care needed. The good news is that health insurance programs for disabled and low-income individuals and seniors, such as Medicaid, can help fund your healthcare if you meet their criteria. Did you know that over 4 million Texans are provided health coverage by Medicaid? Medicaid has specific eligibility rules that allow individuals to enjoy their long-term care services if they meet their criteria. Read on to learn about the Medicaid criteria and 3 assisted living services you can benefit from.
Medicaid Criteria You Need To Meet
Medicaid provides health insurance to children in foster homes, participants in Texas’s Temporary Assistance to Needy Families program, and SSI recipients. In addition, blind and disabled people and elderlies 65 years or older can also qualify for Medicaid.
Since the program is to assist people who cannot afford long-term care and assisted living, you must meet certain income limits to be eligible. An individual should not exceed the monthly income of $2,313 to qualify for Texas’s Medicaid program in 2019. For couples, their total monthly income should be lower than $4,326 before they can apply.
Similarly, an individual cannot exceed the asset limit of $2,000; for couples needing Medicaid, their total limit is $3,000.
Primary Home Care
After meeting the Medicaid financial criteria, If your doctor says you need help performing one or more daily activities due to a certain medical condition, you can be eligible for Primary Home Care. The daily activities may include using the toilet, wheelchair, bathing, regular body care, getting in and out of bed, cooking meals, and eating.
The state will send an accessor to ask questions regarding your ability to perform basic daily activities. The state will then examine the assessment result to determine the amount and types of PHC services you need. The services include assistance with shopping, cooking, dressing, and attending medical appointments.
Home Health Services
Similarly, if your doctor decides that your medical condition requires you to need therapy and nursing services, you can be eligible for home health services under the Medicaid Program. These services are entirely based on your doctor’s health care plan for a specific medical condition and are usually available for a short period. After every 60 days, Medicaid will review your need for their home health services.
Managed Care Program
Most Medicaid beneficiaries in Texas get services through a managed care system. In the system, Medicaid programs allow people to choose a medical plan from the available listed plans in their area and pick a primary physician working under their chosen plan. A typical example of the managed care system is State of Texas Access Reform (STAR) Managed Care, created for elderlies at 65 years and older and people with disabilities.
Assisted Living at Our Retirement Community
At our retirement community, our residents receive assisted living services that suit their individual needs. We have professionally trained team members to cater to your welfare 24/7 and assist you in performing your daily activities with ease. We also have health and wellness programs designed to ensure you live a healthy and happy lifestyle. To learn more about our assisted living services, contact us today!
