5 Assisted Living Communities in Sherman, Texas

The average cost of assisted living in the city is $3,694 per 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 5 Assisted Living Communities in Sherman and several in surrounding areas. The Cost of Senior Care in Sherman, TX

• Assisted Living: $3,694
• Nursing Home Care: $4,319
• In-home Care: $3,241
• Adult Day Health Services: N/A

Genworth’s 2018 Cost of Care Survey reveals that the monthly cost of assisted living in the Sherman area ($3,694) is just below the state average of $3,795. Although Sherman is more affordable than the $4,000 national average, it is more costly than some nearby Texas cities, including Wichita Falls ($3,312), Longview ($3,100) and Texarkana ($2,265). Assisted living costs in Sherman are in line with those in Waco ($3,695) and lower than those in the Dallas area ($4,350) and Tyler ($3,800).

While senior care costs in Sherman vary depending on the type of services received, these differences are relatively small compared to many other cities across the state. Locally, the largest difference exists between full-time skilled nursing home care ($4,319 per month) and the intermediate level of care provided in assisted living facilities ($3,694). The upfront costs of homemaker services ($3,241) are moderately less that those for home health aides ($3,718), but neither type of home health care includes essential expenses, such as rent, utilities and meals, which are typically included in assisted living and nursing home rates.

 

Texas Medicaid is a comprehensive health care program available to certain low-income residents for free or at a minimal cost. Medicaid provides the following essential health benefits:

• Doctors visits, including wellness and preventive services
• Emergency services and hospitalization
• Laboratory services
• Prescription drugs
• Substance abuse and mental health services
• Chronic disease management

These essential health benefits may be available to Sherman residents who receive Supplemental Security Income or are aged 65 and older, blind or disabled. To qualify for SSI or ABD Medicaid, individuals must meet the following income and asset requirements:

• Earn no more than $771 per month (individual) or $1,057 (married couple applying jointly)
• Have assets totalling no more than $2,000 (individual) or $3,000 (married couple), excluding items such as a primary home, vehicle and personal belongings

For those who meet the above criteria, Medicaid services are considered an entitlement, and participants may receive services while living at home or visiting an adult day care.

Additional Medicaid services may be available to Texas residents who need more extensive long-term care. These services may include:

• Dental, vision and hearing care
• Nursing home care
• Home and community-based services
• Care in a home for people with disabilities
• Care in a hospital for individuals with a mental illness

To qualify for long-term care Medicaid, Texas residents must be at least 65 years old or have a disability lasting at least one year and require at least 30 days of continuous care. They must also meet the following income and asset criteria:

• Earn no more than $2,313 per month (individual) or $4,626 (married couple)
• Have assets totalling no more than $2,000 (individual) or $3,000 (married couple), excluding one’s primary vehicle, home and personal items

Couples can apply jointly or individually. If only one spouse needs benefits, individual income and asset limits apply. Additionally, the non-applicant can keep up to $126,420 in assets plus a minimum monthly maintenance needs allowance.

Apart from a small sum, which can be used for personal needs and health insurance premiums, long-term care Medicaid participants must use the majority of their income to pay for health-related services. Sherman residents can apply for Medicaid benefits online or by calling (877) 541-7905.

Although Texas Medicaid does not directly cover assisted living, certain seniors may qualify for services through the STAR+PLUS waiver.

STAR+PLUS Home and Community-Based Services Waiver

The STAR+PLUS Medicaid waiver was designed for seniors aged 65 and older and people with disabilities who have complex health care needs but would like to live outside of a nursing facility.

STAR+PLUS benefits and services include:

• Managed care coordination
• Assistance with activities of daily living
• Respite care
• Home modifications
• Personal errands assistance
• Assisted living
• Nursing care
• Home delivered meals
• Therapies

Long-term care Medicaid participants who qualify for STAR+PLUS will receive an enrollment packet in the mail. In Grayson County, services are provided through Cigna-HealthSpring or UnitedHealthcare managed care plans. Recipients should select their desired health plan, complete the enrollment form and mail it back within 30 days of receipt.

Community Care for Aged and Disabled

Community Care for Aged and Disabled is a non-Medicaid program providing supports for Texas seniors who wish to avoid institutionalization. CCAD enables recipients to receive covered services while living in adult foster care, an assisted living facility or a private home.

CCAD services include:

• Assistance with activities of daily living

• Home delivered meals

• Emergency response services

• Adult day care

• Personal care services

To qualify for CCAD, seniors should:

• Not qualify for similar services through Medicaid

• Have a disability or functional impairment and require assistance

• Earn no more than $2,313 (individual) or $4,626 (married couple) in monthly income

• Have no more than $2,000 (individual) or $3,000 (married couple) in countable assets if attendant services are required

To apply, Sherman residents should contact the Aging and Disability Resource Center of Texoma at (855) 937-2372.

Veterans Aid & Attendance

Through the federal Veterans Aid & Attendance program, certain Sherman vets and their surviving spouses who receive a VA pension may qualify for additional monthly payments. To qualify for A&A, individuals must meet at least one of the following requirements:

• Be bedridden or legally blind

• Reside in a nursing home due to incapacity

• Require a caregiver’s assistance in performing regular activities of daily living, including eating, dressing and bathing

Recipients may not receive VA Housebound and A&A benefits concurrently.

To apply, Sherman seniors may visit the Waco Regional Benefits Office in person at 701 Clay Ave. or send a written report by mail detailing their level of incapacity, disability, mobility and daily habits to the St. Paul VA Regional Office at:

Department of Veterans Affairs
Claims Intake Center
Attention: St. Paul Pension Center
P.O. Box 5365
Janesville, WI 53547-5365

The Grayson County Area Agency on Aging provides seniors with a full range of aging services, including benefits counseling, an ombudsman program, nutrition services and caregiver resources. Aging and Disability Resource Center of Texoma
1117 Gallagher Dr., Ste. 200, Sherman, TX 75090
(903) 813-3505

The Grayson County Veterans Affairs Office provides area vets and eligible spouses with benefits and pension filing assistance, while the VFW Post serves as a place for vets to gather for happy hours and social events. The VA Outpatient Clinic provides vets with health care benefits, including counseling, women’s health and primary care services.

Grayson County Veterans Affairs Office
100 W. Houston St., Ste. G2, Sherman, TX 75090
(903) 813-4254

VFW Post
1707 Baker Rd., Sherman, TX 75090
(903) 893-5858

VA Outpatient Clinic
3811 N. Hwy. 75, Sherman, TX 75090
(903) 487-0477

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