Paying for Care
How to pay for dementia care
A high-level orientation. Specific eligibility and amounts must always be verified with the official agency.
Medicare (the short version)
Medicare generally does not pay for long-term custodial care in assisted living or memory care. It can cover short-term, medically necessary care such as hospital stays, limited skilled nursing facility rehab after a qualifying hospital stay, hospice, and some home health.
Medicaid (Texas)
Medicaid can help pay for long-term care for people who meet income and asset limits. Texas has several programs that cover services in nursing facilities, in the community, or in some assisted living settings. Eligibility rules are strict and the application is involved — start early.
Private pay
Many families pay out-of-pocket from savings, retirement income, or the sale of a home. Costs vary widely by region and level of care.
Long-term care insurance
If the person already has a long-term care policy, read it carefully. Pay attention to elimination periods, daily benefit caps, inflation protection, and which services qualify.
Veteran benefits
Aid & Attendance, VA healthcare benefits, and VA Caregiver Support can all play a role. See Veterans Benefits.
Get help from someone you trust
Free, accredited help is available through Area Agencies on Aging, 2-1-1 Texas, the Texas Veterans Commission, and elder-law attorneys who do consultations. Be cautious of anyone selling annuities or charging fees to "qualify" you for VA or Medicaid.
Educational only. Texas Dementia Care is not affiliated with Medicare, Medicaid, the VA, or any government agency.
Start with a clear path
Practical Texas dementia, caregiver, and veteran care resources — in one place.