How to Pay for Assisted Living in Texas: A Guide for Families
Medicare usually doesn't cover it, so most families combine a few sources. Here is how each one works.
One of the first questions families ask when they look at assisted living in Dallas is how to pay for it. The short answer is that most families combine more than one source. This guide explains the most common options in plain English. It is general information, not financial or legal advice — please confirm details with the program or a qualified advisor.
Does Medicare pay for assisted living?
Generally, no. Medicare covers doctor visits, hospital stays and some short-term skilled care, but it does not pay for long-term personal care or room and board in assisted living. Medicare can still cover your loved one’s medical care, therapy and hospice while they live in an assisted living home.
1. Private funds
Most residents pay with savings, retirement income, pensions and Social Security. Some families sell or rent the family home to fund care. If you are planning around a house sale, ask the home about timing — many families tour and choose a home first, then plan the move around the closing date.
2. Long-term care insurance
If your parent bought a long-term care policy, find it now and read the benefit triggers. Policies usually pay when a person needs help with two or more activities of daily living (such as bathing or dressing) or has a cognitive impairment such as dementia. Call the insurer early — there is often an elimination period before payments begin, and the paperwork takes time.
3. Veterans’ benefits
Wartime veterans and surviving spouses who receive a VA pension may qualify for an additional monthly payment called Aid and Attendance if they need help with daily activities. A county veterans service officer can help with the application at no cost.
4. Texas Medicaid
Texas Medicaid does not pay for room and board, but for people who meet financial and medical requirements, the STAR+PLUS program can help pay for certain assisted living services at participating facilities. Waiting lists and eligibility rules apply. Ask each home whether it participates before you plan around this option.
5. Life insurance, annuities and bridge options
Some life insurance policies can be converted or borrowed against to fund care. Families waiting on a home sale or a benefit approval sometimes use short-term bridge loans. These products vary widely, so talk with a financial professional before signing anything.
Questions to ask any assisted living home about cost
- Is the monthly rate all-inclusive, or are care levels billed separately?
- What exactly is included — meals, laundry, housekeeping, transportation, medication management?
- How and when can the rate change if care needs increase?
- Is there a move-in or community fee?
- Which payment sources do you accept?
Talk to us about cost at Chattington Manor
At our home, meals, housekeeping, personal laundry, scheduled transportation and 24/7 supervision are part of daily life, and your loved one’s rate reflects their room type and care plan. We will walk you through current pricing and availability — request a tour or call us. See more answers on our assisted living FAQ.