8 Assisted Living Communities in Bryan, Texas

The average cost of assisted living in the city is $3,995 a month. This guide is a starting point covering the cost of assisted living care in the city, as well as financing options to pay for it. You’ll find in-depth information on 8 Assisted Living Communities in Bryan and several in surrounding areas.

• Assisted living: $3,995
• Nursing home semiprivate room: $4,760
• In-home care: $4,004
• Adult day health services: N/A

The costs of assisted living in this region of Texas are fairly consistent, falling within a $300 range of the state’s monthly average of $3,795. According to Genworth’s 2018 Cost of Care study, the average monthly costs of assisted living in Bryan ($3,995) fall exactly $200 above the state average and land only a few dollars below the national average of $4,000. The lowest costs in the area are in Waco ($3,695), while the more populated Austin area comes in with the highest costs at $5,190 per month.

In Bryan, the costs of homemaker services ($4,004) and home health aides ($4,004) are on par with those of assisted living at $3,995. At $4,760 per month, a semiprivate room in a nursing home costs nearly $800 a month more than these other services. Seniors considering in-home services should factor in expenses such as mortgage or rent, upkeep and meals when weighing costs.  Cost of Homemaker/Home Health Aide Comparison Chart

• Assisted living: $3,995

• Homemaker services: $4,004

• Home health aide: $4,004

• Adult day health: N/A

• Nursing home care (semiprivate room): $4,760

 

Low-income Texas seniors who receive Supplemental Security Income or who require long-term care may qualify for Texas Medicaid or the state’s Medicaid buy-in programs. Covered benefits include doctor’s visits, hospital care, lab work, X-rays and prescription drugs. Vision, hearing and dental care benefits are also available. Managed care organizations deliver most Texas Medicaid services.

Individuals who receive SSI are eligible for Texas Medicaid. The program may even pay for care received up to three months before the start of SSI benefits. For more information, potential applicants can visit YourTexasBenefits.

Medicaid for long-term care is available to low-income Texas residents age 65 and over who demonstrate the need for 30 or more days of nonstop, long-term care. To qualify, applicants must not own or be in the process of paying for items over a designated value. This excludes vehicles, houses, burial funds and some types of life insurance. The state provides a screening tool to help potential applicants determine whether their income and assets fall within the approved range.

The Texas Medicaid buy-in program is for working individuals with physical, mental, intellectual or developmental disabilities who need medical coverage. To be eligible, applicants cannot reside full-time in a nursing facility, state hospital or intermediate care home for intellectually disabled individuals. Qualified individuals can buy into Texas Medicaid services for a monthly cost.

For further information or to apply, state residents can visit YourTexasBenefits.com.

Texas Community Care for the Aged/Disabled

Overseen by Texas Health and Human Services, CCAD helps low-income seniors at risk of nursing home placement, extending their independence by providing them with personal services at home or in an assisted living facility. The program also covers personal emergency alert systems, which reduce the need for constant oversight. Other benefits include consumer-managed personal attendant services, which allow an individual to select a caregiver. Seniors can choose a family member to be their paid personal attendant. Residential personal care is offered to individuals residing in assisted living facilities.

While benefits may vary depending on the applicant’s living arrangement, certain standard eligibility requirements apply. Only legal Texas residents may apply, and an applicant’s income must not exceed three times the Supplemental Security Income payment. The applicant’s assets must not exceed $5,000 for individuals and $6,000 for couples, although this amount may vary by benefit. Applicants who are eligible for similar services through Medicaid programs should not apply.

Interested individuals should contact their local Aging and Disability Resource Center for further information or to apply.

VA Aid and Attendance Program

Eligible veterans and surviving spouses seeking financial aid for assisted living services can find help through the VA Aid and Attendance Program, which provides funding to offset the expenses of assisted living. To qualify, applicants must be 65 or older and need help with activities of daily living. 

The application process can be confusing due to the complexity of the program’s eligibility requirements, which factor in unreimbursed medical expenses. For further information or to apply, potential applicants should visit their local VA benefits office.

Assisted Living Bridge Loans

Short-term funding for assisted living may be acquired through an assisted living bridge loan, which can fund up to 12 months of payments. While loan interest can be high, this program may be a viable option for seniors awaiting benefit approval or cash from a home sale. Bridge loans can also help with initial expenses of assisted living, including moving costs. 

Because a bridge loan can have multiple co-borrowers, individual creditworthiness carries less weight, improving chances of approval. When family members, rather than the service recipient, apply for a bridge loan, the senior’s age and health don’t impact approval odds. Lenders require information regarding the anticipated source of permanent funding.

Bridge loans can be taken as a lump sum or as a line of credit, depending upon need. Once an application has been submitted, the approval time is often very fast. For further information on assisted living bridge loans or to apply, contact Elderlife Financial Services.

Bryan-area veteran centers ensure that eligible veterans receive their due benefits, providing resources and support for their financial, emotional and health-related needs.  Veterans in need of assistance can visit their local veteran center for information on available services.

Brazos County Veteran Services
200 South Texas Avenue, Suite 264, Bryan, TX 77803
(979) 361-4360

Senior Homes has an extensive directory of senior living options, with care and living providers across the United States.