Page Reviewed / Updated - August 01, 2019
This guide covers the average cost of assisted living and other senior care options in Richardson, Texas. Financial assistance from state and federal programs such as Medicaid are also explained in relation to long-term care, as well as rent-subsidized apartments for seniors. Read more in our guide to paying for senior care in Texas to get a broader view.
Richardson has some of the highest average monthly costs for senior care in Texas, and all levels of care are more expensive than the state average. According to the Genworth 2018 Cost of Care Survey, adult day care in Richardson costs almost twice the state average, although the difference in price is not as dramatic in the case of home care and nursing homes.
Note: Data on the average cost of senior care wasn't available for Richardson, so the data for the closest city, Dallas, was used.
Richardson has one of the highest average monthly costs for assisted living in all of Texas at $4,350 a month, which is about $550 more than the state average. The only area with a higher average cost is Austin at $5,190 a month.
The most affordable area is Longview, where assisted living is $3,100 a month on average. The lowest price of all major cities Genworth surveyed in Texas is in Houston at an average of $3,863 a month.
Home care in Richardson is an average of $4,004 a month, which is only slightly higher than the state average of $3,813. The price range for in-home care is relatively narrow for locations across Texas compared to other levels of care.
Austin is the most expensive area for home care at an average cost of $4,099 a month. The most affordable areas are Waco at $3,432 a month on average followed by Abilene at $3,504.
Adult day care is relatively expensive in Richardson at $1,408 compared to all surrounding areas and the Texas average of $758. The cost is equal to that of Austin and followed closely by Houston at $1,300 a month.
The lowest average cost for adult day care can be found in Abilene at $618 a month, less than half that of Richardson. San Antonio is the most affordable of the major cities at $867 a month.
The average monthly cost of nursing home care in Richardson is $5,064, around $250 higher than the Texas average. The cost is similar in Houston: $5,095. Austin is the most expensive area at $5,323 a month.
The lowest cost for nursing home care in Texas is in Longview at $3,954 a month, while the most affordable major city is San Antonio at $4,715 a month.
Medicaid is funded by the federal and state governments to assist at-risk groups in paying for medical goods and services as well as some long-term care. The majority of Medicaid recipients are seniors and the disabled, and these two groups are placed in the STAR+PLUS managed care program.
Services covered under the STAR+PLUS program of Texas Medicaid include visits to the doctor, hospital care, dental, vision, hearing, prescription drugs and medical devices. Assisted living and various other services are only covered with an HCBS waiver, which is also explained in this guide.
Overview of Texas Medicaid eligibility requirements:
Texans who receive Supplemental Security Income payments from the federal government will gain access to SSI-linked Medicaid, which is full-scope coverage with no share of cost.
Eligibility requirements can be viewed in more detail at Benefits.gov, including specific income requirements for larger households. Read our guide on countable assets and non countable assets for more information.
Nursing home care and home health services are both entitlements in Texas; all eligible individuals will receive Medicaid services immediately with either of these types of care. Assisted living is not an entitlement; there may be a waiting list to receive services even when all requirements are met.
Apply for Medicaid and the STAR+PLUS managed care program at Your Texas Benefits by submitting the forms online or mailing a printed copy. Help is available at local Community Partners around Richardson and Dallas or by calling the Texas Medicaid hotline at (800) 252-8263.Read more about the available programs in our Texas Medicaid guide.
HCBS STAR+PLUS Medicaid Waiver
Due to restrictions placed on state-run Medicaid programs by the federal government, some services require a waiver before they can be covered. In Richardson, seniors looking for help to pay for long-term care will be most interested in the STAR+PLUS HCBS waiver.
This waiver grants access to various home and community-based services as an alternative to nursing facilities. Assisted living is offered under this waiver, as well as home modifications, therapies, personal assistance and respite care. This waiver is available at no cost to all who qualify.
Applicants must be over 21 years of age, not enrolled in other waivers and eligible for Medicaid and SSI, as well as being assessed as needing a nursing home level of care for medical reasons. However, this does not mean that the individual is required to live in a nursing home.
The STAR+PLUS HCBS waiver is not considered an entitlement; there may be a delay in receiving services as those waiting are prioritized based on need. Applicants who have already moved into a nursing facility funded by Medicaid will receive a higher priority.
Apply for the HCBS waiver at the Your Texas Benefits website by submitting the appropriate forms, or print and mail them to the address given. Help is available on the STAR+PLUS Helpline at (877) 782-6440.
Read more about the additional services provided in our Texas STAR+PLUS Medicaid waiver guide.
Community First Choice (CFC)
Community First Choice is a program under Texas Medicaid that is intended to delay the need for placement in a nursing facility. It does this by providing more services in the home of the individual so that they can remain living in the community for as long as possible.
Services available under the CFC program include help with activities of daily living such as preparing meals, maintaining hygiene and mobility support.
Community First Choice is an entitlement in Texas, as mandated by the federal government. This means all applicants who meet the requirements are guaranteed to receive assistance with no waiting period.
This program has the same income and asset limits as Medicaid. However, there is an additional requirement based on the need for care; it must be established that the individual requires assistance with activities of daily living and would be forced to enter a nursing home if assistance was not provided.
Read more about this optional Medicaid program in our Texas Community First Choice guide.
Community Care for the Aged and Disabled (CCAD)
Community Care for the Aged and Disabled is designed to accomplish many of the same goals as Community First Choice. It is for seniors or the disabled who would qualify for nursing home care but prefer to remain living in their own home or elsewhere in the community.
One of the main differences is that CCAD does cover some aspects of assisted living, while CFC does not. However, this program only covers the cost of care in an assisted living facility — it does not cover room and board.
Services provided under CCAD include home-delivered meals, personal care and housekeeping assistance, emergency signaling devices and adult day care with nurse supervision, as well as various types of residential care such as assisted living.
Apply for Community Care for the Aged and Disabled by submitting the appropriate forms at Your Texas Benefits.
Read more about the benefits of this program in our Texas CCAD guide.
Optional State Supplement (OSS)
Low-income seniors who live in a Medicaid-funded facility may be able to receive Optional State Supplement payments from the Texas government in addition to the Supplemental Security Income they receive from the federal government.
OSS is intended to help people pay a small portion of the costs associated with assisted living, nursing homes or mental health facilities, and it is an entitlement in Texas.
The asset and income eligibility requirements for OSS are the same as for SSI. The only additional requirement for OSS is that the individual is living in a Medicaid-funded facility.Apply for the OSS at the Social Security Administration website or contact a nearby office. The closest office for Richardson is in Dallas and can be reached at (800) 772-1213.
|Dallas Housing Authority||(214) 951-8300||DHA North Texas owns 3,900 public housing units that it manages as part of the Housing Choice Voucher program. The HCV provides assistance with housing by paying part of the rent with funding from the Department of Housing and Urban Development.|
|Brandywine Apartments Richardson||(972) 669-8168||Mercy Housing manages 50 rent-subsidized apartments for low-income seniors (62+) or those with impaired mobility. One- and two-bedroom apartments are available, as well as accessible options for disabled residents.|
|Garland Estates Senior Housing||(972) 276-8882||Located nearby in Garland, this set of one-bedroom units is for low-income seniors (62+). Rent is subsidized by HUD.|
|Plano Community Home (East)||(972) 423-6058||Plano Community Home manages four communities near Richardson. The East community in Plano has 129 one-bedroom apartments for seniors (62+) or those with impaired mobility. Rent is subsidized by HUD.|
|Plano Community Home (Pioneer Place)
||(972) 424-9800||Also located in Plano, this community is a HUD 202 Project Rental Assistance Contract (PRAC) designated for low-income seniors (62+). Rent is subsidized by HUD.|