Page Reviewed / Updated - August 06, 2019
This guide compares the cost of senior care in Allen, Texas, to that of the surrounding areas and the state overall. Medicaid and other financial assistance programs that may help pay for long-term care are also covered in detail. Find more information on programs available at the state level in our guide to paying for senior care in Texas.
Every category of senior care in Allen is more expensive than the Texas average. According to the Genworth 2018 Cost of Care Survey, assisted living in Allen has an average monthly cost approximately $500 higher, and adult day health care is almost double that of the state overall. In-home and nursing care services also cost more in Allen but only by around $100 - 200.
Note: Data on the average cost of senior care wasn't available for Allen, so the data for the nearest large city, Dallas, area was used.
The average monthly cost of assisted living in Allen is $4,350, which makes it relatively expensive for this level of care compared to other cities in Texas. In nearby Sherman, the cost is $656 less, and Tyler is closer to the state average with a cost of $3,800.
The lowest average cost for assisted living in Texas is in Longview at $3,100 and the highest is in Austin at $5,190.
The pricing of in-home care is fairly consistent across the state, with the exception of Texarkana where it costs substantially less than average at $3,022 a month. Allen has an average monthly cost of $4,004 which is around $200 higher than that of Texas.
Longview and Austin have the highest average monthly costs in Texas for this level of care at $4,052 and $4,099, respectively.
Adult day health care services in Allen have an average cost of $1,408 a month, which is almost double the Texas average of $758. This makes the area one of the most expensive in the state, and Austin shares the same cost.
Abilene is the most affordable area for this level of care with a monthly average cost of $618. San Antonio is the cheapest major city at $867.
Nursing home care is relatively expensive in Allen at $5,064 a month, although it's similar to the state average of $4,798. In nearby Sherman, the cost is around $750 lower.
Longview has the lowest cost for nursing homes in Texas with a monthly average of $3,954. Austin has the highest cost in the state at $5,323.
Medicaid helps low-income seniors and other at-risk groups of people pay for medical services and related costs such as transportation. In Allen and Texas as a whole, residents can also receive financial assistance for long-term care, including assisted living if they qualify for the HCBS waiver.
Services covered by Medicaid include nursing home and in-home care, prescriptions and medical goods, doctor care, hospitalization, dental, vision and hearing.
Seniors and disabled people in Texas receive additional Medicaid services through the STAR+PLUS managed care program. Services include in-home help with activities of daily living, home accessibility modifications and respite for caregivers.
Texas Medicaid eligibility requirements:
Anyone who gets Supplemental Security Income is automatically eligible for full Medicaid coverage with no share of cost.
Some assets don't count toward eligibility; these non-countable assets include a family home the senior lives in, a vehicle, household items and personal effects. Medicaid has different asset limits for married couples when one spouse is living in a nursing home while the other remains living in the community, which allows for a much higher value of assets.
All eligible Texans are entitled to receive Medicaid assistance with nursing home care and some in-home services. Assisted living is only covered through the HCBS waiver and isn't an entitlement in Texas, so there is often a waiting period.Applications for Medicaid can be made online at Your Texas Benefits or by mail. Help filling out the application is available by calling (877) 541-7905.
STAR+PLUS HCBS Waiver
This is a home and community-based services waiver for the STAR+PLUS Medicaid program. Eligible seniors receive additional services in their own home, assisted living or elsewhere in the community, as opposed to entering a nursing home.
Applicants must qualify for both Medicaid and Supplemental Security Income to be approved for this waiver. It must also be determined that the individual requires a nursing level of care.
Although the requirement is set at the nursing level, the goal of this waiver is to avoid placement in a nursing home for as long as possible. This allows the state to save money on costly facilities while residents receive the care needed to remain living in the community.
This is not an entitlement program. In Texas, current residents of Medicaid-funded nursing facilities are given priority when applying for the HCBS waiver.
Applications for the STAR+PLUS HCBS waiver can be made online at Your Texas Benefits or by mail. Call the helpline on (877) 782-6440.
Find more information about this in our Texas STAR+PLUS Medicaid waiver guide.
Optional State Supplement
The Texas government provides a small monthly payment to low-income seniors who receive Supplemental Security Income and are residing in a Medicaid-approved facility. This additional payment is the Optional State Supplement; it is designed to help pay for some of the room and board costs in assisted living or nursing facilities.
The income and asset requirements are identical for both OSS and SSI payments. OSS is an entitlement program, which means all eligible Texans begin to receive payments immediately upon approval.
Applications for the Optional State Supplement can be made online at the Social Security Administration. The closest office to apply in person is in McKinney and can be reached at (866) 931-2731.
Community Care for Aged and Disabled (CCAD)
This program is for low-income seniors who meet the requirement for a nursing level of care but do not live in a nursing facility.
Community Care for Aged and Disabled helps eligible residents pay for care received in assisted living. It also provides services in-home or elsewhere in the community, such as housekeeping, safety devices and adult day health care.
Texas residents who qualify for SSI or Medicaid based on income and assets will also qualify for this program. However, anyone receiving financial assistance from Medicaid relating to any of the services requested from the CCAD will not be eligible to receive assistance from both sources concurrently.
Applications for this program can be made online at Your Texas Benefits. Call (877) 541-7905 for help filling out the forms.
Find more details about Community Care for Aged and Disabled in our Texas CCAD guide.
Community First Choice (CFC)
Community First Choice is a Medicaid-funded program with a similar goal to the CCAD, which is to allow residents of Allen to remain in their own home, or that of a caregiver, or elsewhere outside of costly nursing facilities. This goal is accomplished by providing seniors the help they need at home, and it must be established that the individual would be forced into nursing facility placement if CFC services were not provided.
Individuals who are financially eligible for Medicaid, and also meet the level of care required as explained above, are entitled to receive assistance from this program immediately upon approval.
CFC services are approved as needed and include grocery shopping, light housework and food prep, laundry, purchasing and administering medication, as well as health maintenance activities.
Applications for Community First Choice can be made online at Your Texas Benefits. Call for help in the application process on (877) 541-7905.Read more about the benefits of this program in our Texas CFC guide.
|Assistance Center of Collin County||(972) 422-1850||The Assistance Center provides financial assistance to low-income residents of Collin County to pay for rent and utilities. It also provides advocacy and education, as well as a referral service to connect residents with local assistance programs based on their particular needs.|
|Plano Housing Authority||(972) 423-4928||Allen doesn't have its own housing authority, but residents can seek help in the surrounding 25-mile area. The Plano Housing Authority manages public housing and the Housing Choice Voucher (Section 8) program.|
|McKinney Housing Authority||(972) 542-5641||The MHA manages 201 public housing units in the area, as well as the Housing Choice Voucher program that helps low-income individuals pay for rental properties found in the private market.|
|Pioneer Place Senior Housing||(972) 423-6058||This set of one-bedroom units in Plano is for low-income seniors and the disabled. Rent is subsidized by the federal government through HUD.|
|Towne Creek Apartments||(972) 548-7170||This community in McKinney has one-bedroom and studio apartments for low-income seniors and the disabled. It is operated by the non-profit Retirement Housing Foundation with rent subsidized by HUD.|