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Texas Medicaid STAR+PLUS and Assisted Living

What the STAR+PLUS waiver covers, what it does not, and how Austin families get on the interest list.

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Short answer

STAR+PLUS is Texas Medicaid managed care with long-term services and supports. Its home and community based services waiver covers assisted living care services but explicitly not room and board, requires nursing facility level of care, and runs on an interest list.

What the waiver actually pays for

Personal attendant and personal care services, adult day care, respite, nursing services, adaptive aids, minor home modifications, personal emergency response systems, and assisted living services delivered in a licensed facility.

The gap families discover late: The waiver does not cover room and board in assisted living. Medicaid treats the room, meals, and utilities portion as the resident's responsibility, paid from their own Social Security or pension income less the personal needs allowance.

Two separate gates

Families tend to think of Medicaid eligibility as one test. It is two, and clearing one says nothing about the other.

  1. Financial. Income under $2,982 per month and countable assets under $2,000 for a single applicant, with the home and one vehicle generally exempt.
  2. Functional. A Nursing Facility Level of Care determination. A person can qualify financially and fail medical necessity, which is a common and demoralising surprise.

The third gate nobody mentions

Even with both cleared, the community itself must contract with your managed care organisation. A meaningful share of Austin-area assisted living does not participate at all. This is why the question to ask any community you are seriously considering is not just whether they accept Medicaid, but how many current residents are on STAR+PLUS.

Getting on the interest list

Call 2-1-1 or apply at YourTexasBenefits.com to join the interest list, then complete a Medicaid application, a medical necessity assessment, managed care plan selection, and a service plan with a service coordinator.

Join the list early, even while paying privately and expecting to for some time. Nothing is lost by being on it, and the timeline does not compress because your circumstances became urgent.

Managed care plan availability in the Travis service delivery area has changed since 2024. Confirm which plans currently serve your county on the HHSC health plans by service area listing before choosing. HHSC health plans by service area

How Austin families pay for care. Medicare does not cover assisted living. Texas has no broad state assisted living benefit. The main routes are private funds, Medicaid STAR+PLUS, and VA Aid and Attendance. Read the full explanation →

Questions Austin families ask

How much spending money does a Texas nursing home resident keep?

Texas sets the Personal Needs Allowance at $75 per month, raised from $60 effective January 1, 2024. That's well above the $30 federal minimum. Nearly all remaining income, after Medicare premiums, any spousal allowance, and allowable medical expenses, goes to the facility as applied income.

Will Texas take my mother's house after she goes on Medicaid?

Texas may file an estate recovery claim after death if she was 55 or older when receiving services and first applied for long-term services on or after March 1, 2005. This covers nursing home care and STAR+PLUS. Texas never recovers more than it paid, and exemptions and hardship waivers exist.

Does Texas have a state program that pays for assisted living?

Not broadly. Texas has no general state-funded assisted living benefit. Two narrow options exist: STAR+PLUS Medicaid waiver assisted living services covering care but not room and board, and the state-funded Residential Care program under Community Care for Aged and Disabled, funded by Title XX block grants with interest lists.

How do I get on the STAR+PLUS waiver list in Austin?

Call 2-1-1 or visit YourTexasBenefits.com to join the interest list, then apply for Medicaid. Next comes a medical necessity assessment, choosing a managed care organization, and building a service plan with a coordinator. The Capital Area ADRC at 855-937-2372 can help you navigate the process.

How much is VA Aid and Attendance in 2026?

For 2026, maximum annual pension rates are $29,093 for a veteran with no dependents, roughly $2,424 monthly, $34,488 with one dependent, and $18,697 for a surviving spouse, about $1,558 monthly. VA pays the difference between countable income and that maximum, not a flat check.

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