If you’re researching assisted living in Texas, one of the considerations that come to your mind would be the costs. What are the expenses to expect? Is there any assistance available? How affordable is assisted living in Texas? We’ve put together useful information to answer some of your questions.

What’s the Cost of Assisted Living in Texas?

According to Genworth’s Cost of Care Survey (2021), the average cost of assisted living in Texas is $3,998 a month. Although this is lower than the national average of $4,500, assisted living costs vary greatly across Texas. Victoria is the most expensive state, with an average monthly cost of $5,600 for assisted living. Some of the least expensive areas include Waco and Texarkana, with respective averages of $2,800 and $2,770.

Can Medicaid Cover the Cost of Assisted Living in Texas?

Although Medicaid doesn’t directly cover the cost of staying in an assisted living community, eligible individuals can receive assistance through the STAR+PLUS waiver. This covers several long-term medical and non-medical services to the elderly that have been determined to require nursing home care. These services included help with day-to-day activities and assistance with medication in an assisted living community. Other services include dental, occupational therapy, and medical supplies.

What’s the Eligibility for Medicaid in Texas?

Income is one of the factors that determine whether you are eligible for Medicaid in Texas. For singles, the maximum annual income cannot exceed $30,276. As for couples applying for Medicaid together, the maximum household income should not exceed $60,552.

Other eligibility criteria include:

Above 65 years old and have disability status

Is a full-time Texas resident

Is a U.S. national or U.S. citizen, holds permanent residency status, or has obtained a legal alien status

How Can I Apply for Medicaid?

For a fast and convenient way to apply for Medicaid in Texas, simply visit Your Texas Benefits website. You can fill up the application anytime, save a draft and come back later to complete it.

If the Internet is not your thing, you can fill up the physical application form which you can request through post. Alternatively, you can get someone to help you download and print the form. Once you’re done filling up the form, you can mail it back or hand it personally to the Texas Health and Human Services benefits office or community partner.

What Other Financial Assistance Options Are Available for Assisted Living in Texas?

Individuals who aren’t eligible for Medicaid can explore the following:

Veteran Aid and Attendance: Veterans eligible for VA pension may also be able to receive Aid and Attendance benefit. This is a monthly allowance given on top of the basic pension amount and can be used to offset the costs of Assisted Living.

Long-Term Care Insurance: Many long-term insurance policies cover a part of assisted living costs but this may vary depending on the terms stated in your policy.