Texas LTC Cost Sheet
A simple, two-page summary of real costs, what's covered, and smart ways to plan in Texas.
Realistic Texas LTC Cost Ranges (2025)
- Home care (non-medical)
- $24–$32/hour (15–25 hrs/week common)
- Assisted living
- $3,800–$5,800/month
- Memory care
- $5,200–$7,500/month
- Nursing home (semi-private)
- $6,800–$9,200/month
Costs vary by city and care level. Planning early helps keep choices open and affordable.
What Medicare & Medicaid Actually Cover in Texas
Medicare
Short-term, skilled care only (e.g., rehab after a hospital stay). It does not pay for long-term custodial care.
Medicaid
Can help with long-term care if you qualify under Texas rules. Asset and income limits apply. Planning ahead helps you understand your options. Not affiliated with Medicaid or any government agency.
Out-of-pocket
Without a plan, ongoing care is paid from income, savings, or family support.
Smart Ways Texans Plan Ahead
- ✓Hybrid LTC annuities: tax-deferred growth and a pool of funds for qualified care
- ✓Traditional LTC insurance: dedicated coverage with inflation options
- ✓Life insurance w/ LTC riders: protection plus access for care
- ✓Medicaid spend-down education: understand the rules and coordinate with an elder law attorney
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Simple Scenarios (Hypothetical Examples)
Couple, age 62
$300K in savings. Goal: create an LTC safety net while keeping control of funds. A hybrid annuity can create a benefit pool for qualified care that may exceed the premium, per contract terms.
Single, age 70
Wants predictable costs if care is needed. A modern LTC policy with 3–5 years of coverage and inflation options can fit a set budget.
Widow, age 78
Limited savings. Learning Texas Medicaid rules early, with an elder law attorney, can help her understand options.
Key Questions to Decide What Fits You Best
- What level of monthly cost could you comfortably handle for care?
- Do you want to keep control of your principal if you never need care?
- Is leaving a legacy important (and to whom)?
- Would you prefer a fixed premium or flexible funding?
- Any health issues that suggest acting sooner rather than later?
Next Steps for Texans
- ✓Compare: see side-by-side hybrid vs traditional vs rider options (10 minutes)
- ✓Consultation: talk through budget, health, and goals
- ✓Free cost sheet: bring this with you — we'll mark up a plan that fits.
Licensed independent Texas agent — TX License #1763171 • Common Ground Insurance and Consulting LLC • Benefits vary by product and carrier.
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