Frequently Asked Questions
How do families pay for nursing home care in Texas?
The main payment sources are Medicaid (for those who qualify), Medicare (short-term only), private savings, long-term care insurance, and veterans benefits. Most families use a combination. See our Financial Planning Guide.
When should I start financial planning for nursing home care?
Start planning as early as possible, ideally before a health crisis. Key steps include understanding Medicaid eligibility (income and asset limits), exploring long-term care insurance, consulting an elder law attorney, and organizing financial documents. Waiting until a crisis limits your options.
Can I protect my assets if my spouse needs nursing home care in Texas?
Texas follows federal Medicaid spousal impoverishment protections. The community spouse can retain a portion of assets (approximately $137,400 in 2024) and income. A Medicaid-qualified elder law attorney can help with lawful asset protection strategies. Do not transfer assets without professional advice, as it may trigger penalty periods.