Texas is home to 29 million people, over 12% of whom are seniors aged 65 and over. More than 400,000 of those seniors have been diagnosed with Alzheimer’s disease. That figure is expected to rise by more than 22% to nearly 500,000 people by 2025. Almost 10,000 Texas seniors die each year from complications of Alzheimer’s disease, making it the state’s sixth-leading cause of death. The number of Texas residents dying from complications of the disease has risen by more than 200% since 2000, and future increases are slated to nearly triple the demands on senior care providers by the year 2050.

When seniors are diagnosed with Alzheimer’s disease or other forms of dementia, it can place a serious strain on family members and other loved ones. Once the needs of a senior with Alzheimer’s disease grow beyond what can be provided at home, it is often necessary to get professional help from a memory care facility.

Memory care can either be offered on its own in a community designed especially for those with dementia or Alzheimer’s or, more often, it’s provided as a service in a separate wing of an assisted living facility. Memory care programs are designed specifically for those with memory impairment, and the facilities often coordinate care, social activities and schedules specifically for the needs of those living with Alzheimer’s or dementia.

This guide provides details about the cost of memory care in Texas and several options to help pay for care, as well as free and low-cost resources that may benefit seniors in need of memory care services.

The Cost of Memory Care in Texas

A big part of planning for memory care is budgeting for the expenses involved. This can be difficult to do, especially in a state with the size and diversity of Texas. According to the Genworth Cost of Care Survey 2019, memory care costs tend to run about 20-30% above the local cost of assisted living.

We will be comparing the cost of memory care in Texas by using estimates based on the cost of assisted living in various parts of the state. It is also helpful to contrast the cost of memory care in Texas with the cost of similar care in nearby states.

Memory Care Costs in Nearby States

Memory care in Texas costs an average of $4,688  per month. This is close to the national monthly average of $5,064$. Memory care costs in Texas are competitive with costs in nearby states: Costs in Texas can be up to $440 less per month than in New Mexico, and nearly $720 more per month than in Arkansas. The monthly costs in Oklahoma and Louisiana are within roughly $125 – $300 of the Texas state average.

$4688

Texas

$5125

United States Average

$5125

New Mexico

$4398

Oklahoma

$3969

Arkansas

$4563

Louisiana

Cost of Other Types of Care in Texas

Costs for memory care in Texas run close to the middle range of other types of senior living prices. At an average cost of $4,500, memory care is somewhat more expensive than both in-home care, which costs $3,956 per month, and homemaker services, which average $4,004. Memory care in Texas is around $750 a month more expensive than assisted living, which averages $3,750 a month, but it is generally less expensive than residential care in a skilled nursing home, which averages $4,867 statewide. One exceptionally low-cost senior care option is adult day care, which averages just $704 per month in Texas.

$4688

Memory Care

$3956

In-Home Care

$4004

Home Health Care

$704

Adult Day Care

$3750

Assisted Living Facility

$4867

Nursing Home Care

The Cost of Memory Care in Texas’ Top Cities

Comparing Costs Across Texas

The cost of memory care in Texas varies by thousands of dollars between the most and least expensive cities in the state. In the most expensive major city in the state, Austin, monthly costs of memory care average $6,734. In El Paso, the least expensive major urban area, monthly costs are as low as $2,500. Many of the other large urban zones in the state are competitive with the state average, with Houston and San Antonio both averaging $4,688 a month. Memory care in the Dallas/Fort Worth area, the most heavily populated part of Texas, averages $5,188 per month, or $500 more than the state average.

$4688

Houston

$4688

San Antonio

$5188

Dallas/Fort Worth

$6734

Austin

$2500

El Paso

$4549

Corpus Christi

$4799

Abilene

Financial Assistance for Memory Care in Texas

Community Care for Aged and Disabled (CCAD)

Community Care for Aged and Disabled is a Texas state program that helps seniors with Alzheimer’s disease live close to their home community in a variety of settings. CCAD pays for around-the-clock memory care services for seniors in residential care homes, although it does not pay for the monthly rent or boarding fees. The program also helps pay the cost of a caregiver who can help seniors with Alzheimer’s manage activities of daily living and see to their personal needs.

Who is Eligible?
Texas residents over the age of 18 who meet income and asset limitations and have a medical need for memory care support are eligible for CCAD benefits. Individuals must not own more than $5,000 in countable assets, while married couples must not exceed $6,000. Countable assets do not include the value of a personal home or vehicle. Income limits are set by the state and change on an annual basis. Seniors who qualify for SSDI support are considered categorically eligible, as are seniors who qualify for cash aid and SNAP benefits.

How to Apply
To apply for CCAD, seniors with Alzheimer’s must get a recommendation from a doctor and submit proof of income and assets to the Texas State Department of Health and Human Services. To request an application packet, family members and caregivers may call 1-855- 937-2372.

Texas Alzheimer’s Disease Program

The Texas Alzheimer’s Disease Program is a Medicaid project to help low-income seniors and families find and enroll in at-home and residential care throughout the state. In addition to home care resources, the Alzheimer’s Disease Program helps cover the cost of adult foster care and memory care services in a residential setting. Eligible facilities must meet program memory care training and standards requirements. This program is administered by the Texas Aging and Disability Resource Center.

Who is Eligible?
Eligible seniors must be U.S. citizens or legal residents, permanently reside in Texas and meet income and asset limits for participation in Texas Medicaid programs. These limits shift as state requirements change, although seniors who receive aid from SSDI and SNAP are considered eligible prior to verification of income.

How to Apply
Seniors can learn more about the Alzheimer’s Disease Program online or by calling program offices at 1-855-937-2372. An application packet may be requested by mail from:

Texas Health and Human Services Commission
Mail Code W358
P.O. Box 149030
Austin, Texas 78714-9030

Free and Low-Cost Memory Care Resources in Texas

Residents of Texas can get help managing their memory care needs from a variety of resources in the state. These include education, information, caregiver support, respite care and other services to assist seniors with Alzheimer’s, caregivers and other loved ones.

ResourceContactServices
Alzheimer’s Association Texas800-272-3900Provides information and support for Texas residents with Alzheimer’s disease and their caregivers. Resources include legal and financial planning, diagnosis and treatment services and medical tracking and alert systems at reduced or no cost.
Texas State Area Agencies on Aging800-252-9240The 28 local Area Agencies on Aging connect seniors with Alzheimer’s disease and their caregivers with information and referrals to respite care, residential treatment options and in-home support services. AAA offices also counsel seniors and families about legal and financial issues, hear concerns about care through the Ombudsman’s office and provide direct support through care coordination and nutritional services.
Program of All-Inclusive Care for the Elderly (PACE)512-438-3550PACE is a comprehensive service program operated by the state Department of Health and Human Services. The program assists with finding and paying for in-home caregiver assistance, respite care, nutritional services and transportation services for seniors with Alzheimer’s disease or other forms of dementia.
Texas Department of Insurance800-252-3439Offers information and assistance to seniors who need help with an insurance claim for long-term residential memory care, health care issues and other insurance matters relating to age, disability and dementia care.
Alzheimer’s Disease Education and Referral Center1-800-438-4380This agency provides free caregiver training, information about memory care issues affecting seniors in Texas and referrals to research and clinical trials that may be available for some seniors with Alzheimer’s disease and other forms of dementia.
Alzheimer’s Disease and Memory Disorders Center at Baylor College of Medicine1-713-798-4734The center provides free diagnosis services and referrals for care for seniors with many forms of dementia. Caregiver resources are also available, such as support groups. Clinical trials and medication studies are ongoing.

Memory Care Laws and Regulations in Texas

Memory care in Texas is regulated by the Texas Health and Human Services Department. Memory care facilities in the state are regulated as assisted living and care homes, in the same category as adult foster care, assisted living and some nursing homes. Facilities are classed according to the number of residents they house, with different tiers of staff, training and other requirements for each level.

Scope of CareMemory care includes residential care, including room and board, in an adult foster care facility or nursing home environment. Facilities providing memory care can assist residents with daily activities, supervise movements and social interactions and direct activities for residents. Facilities with over 17 residents must employ an activities director who works at least 20 hours per week. Medication monitoring, management and administration are permitted within the scope of residents’ treatment plans.
Facility RequirementsFacilities licensed to provide memory care must meet residents’ physical and psychological needs. State rules leave much of this to the interpretation of inspectors, but in general, the facility must be physically secure with locks and alarms, climate-controlled and hygienic. Food and medication handling must be in accordance with state health requirements. Staff must be adequate to attend to residents without leaving them unsupervised. Safety hazards must be out of reach for residents at all times unless directly supervised by qualified staff.
Medication Management RequirementsResidents who manage their own medications must be assessed on a monthly basis, at a minimum, to establish that they are still able to do so. Staff at memory care facilities can also assist with the administration of prescription medications.
Staff Screening RequirementsStaff at memory care facilities must be at least 18 years old, pass a felony background check and complete the minimum initial training requirements before providing direct senior care.
Staff Training RequirementsMemory care facility managers must complete a 24-hour management training course within one year of being employed. Staff at the facility must undergo at least four hours of continuing education per year in memory care and Alzheimer’s care issues. Direct care staff must complete an initial 16-hour course in memory care, plus an annual six-hour continuing training requirement.
Medicaid CoverageTexas Medicaid offers some coverage for residential care and memory care services. The state also offers home and community based services (HCBS) via an HCBS Medicaid waiver.
Reporting AbuseSuspected elder abuse can be reported to law enforcement or to the office of the Area Agency on Aging’s Ombudsman’s office at 1 (800) 252-9240.

Frequently Asked Questions

Does Texas Medicaid Pay for Memory Care?

Texas Medicaid does pay for many long-term care services for seniors with Alzheimer’s or dementia, including assisted living and nursing home care. Assisted living and residential care homes, which may also be called adult foster care homes, are not required to provide Alzheimer’s or memory care services, although many do. Seniors with memory care needs who reside in a nursing care home must wait at least 30 days before applying for Medicaid coverage.

Are There Financial Assistance Programs for Memory Care in Texas?

Several financial assistance programs exist to help seniors in Texas pay for some or all of the costs of memory care. Many resources are provided at the state level by the Texas Alzheimer’s Disease Program and the Community Care for Aged and Disabled (CCAD) office. Several private organizations in Texas also help seniors with memory care. Federal programs, such as the VA, offer assistance to seniors who meet their eligibility guidelines. Program social workers and staff members at the local Area Agency on Aging generally have eligibility and benefit information about specific programs.

Does Medicare Pay for Memory Care?

Medicare does not pay for the dementia-specific services many memory car residents need. Depending on coverage types and amounts, many Medicare programs do continue to pay seniors’ medical bills, but this is usually incidental to the residential care seniors with Alzheimer’s disease often receive.

What are “Activities of Daily Living?”

Activities of daily living are the personal tasks caregivers help seniors carry out, including cleaning, dressing, preparing food and chores. It can also describe errands, such as shopping and picking up prescriptions.

What Is the Difference Between Memory Care and Assisted Living?

Memory care and assisted living are similar in many ways, and there is some overlap between them. Assisted living is a service that may be provided in-home or at a facility for seniors who are mentally alert and oriented, but who may need some help managing activities of daily living. Memory care is intended for seniors with Alzheimer’s or dementia, whose ability to take care of themselves has declined to the point where continuous supervision is required. Seniors in assisted living generally look after themselves but may need help for a few physical tasks, while seniors enrolled in memory care generally need supervision and close assistance for many activities.

Memory Care Facilities in Texas (92)