Texas Senior Care and Housing Directory
Texas Senior Care and Housing Directory

Ways to Pay for Memory Care

Paying for Memory Care in Texas - This guide will cover the cost of memory care in Texas, financial assistance options for paying for memory care.

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For families with a loved one diagnosed with Alzheimer's related dementia, certified assisted living and memory care facilities provide a safe and comfortable home-like environment. These specialized memory care communities are designed exclusively for individuals diagnosed with Alzheimer's disease and other types of memory impairments.

People with Alzheimer's disease require regular medical care as well as some special care that might include medications or other interventions. Medical services are often covered under medical insurance (either Medicare or private health insurance). It may be important to examine the health coverage to determine the extent of coverage limitations or co-pays and deductibles.

Memory care is more expensive compared to traditional senior living options, but the care provided is more comprehensive.

 It costs, on average, about $3,300 per month for a one bedroom apartment. The average cost of memory careis about $5,000 for a single resident, but such facilities go quite a bit further to effectively provide care for those with Alzheimer's or other dementias, with 24-hour supervised care for patients at all stages of the disease.

There are four primary payment options for covering the cost of residential memory care. Private pay (out-of-pocket), Long-term care insurance, Medicare & Medicaid. 

Longtermcare.gov provides an overview of the Medicaid program and a link to state-based Medicaid resources. Medicare covers some parts of dementia care. Some examples include inpatient stays at a skilled nursing facility, home health care, and medically necessary diagnostic tests. Additionally, people with dementia may be eligible for specific Medicare plans that are tailored to their specific needs.


Programs for Veterans

The Alzheimer's Association can connect you with low-cost or free community support services. Call our 24/7 Helpline at 800.272.3900 (TTY: 866.403.3073). Benefits Check-Up helps you find benefit programs that can help pay for medications, health care, food, utilities and more. Additionally, there are other options available aside from private pay including: Long Term Care Insurance, Veterans Benefits, and Medicaid as well as to preserve one's estate.

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DISCLAIMER: Links to other websites or references to products, services or publications do not imply the endorsement or approval of such websites, products, services or publications by Elder Options of Texas. The determination of the need for senior care services and the choice of a facility is an extremely important decision. Please make your own independent investigation.