6 Assisted Living Communities in Victoria, Texas

The average cost of assisted living in the city is $4,370 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 6 Assisted Living Communities in Victoria and several in surrounding areas. The Cost of Senior Care in Victoria, TX

• Assisted Living: $4,370
• Nursing Home Care: $4,943
• In-home Care: $3,813
• Adult Day Health Services: $867

Genworth’s 2018 Cost of Care study shows the average monthly cost of $4,370 for assisted living in Victoria is nearly $400 higher than the national average of $4,000. This figure is also approximately $600 higher than the Texas average of $3,795 for monthly assisted living expenses.

Texas cities with similar monthly expenses for assisted care include the Dallas area ($4,350) and San Angelo ($4,450). Assisted living costs more in the Austin area ($5,190) and Odessa ($4,605) than it does in Victoria.

The Cost of Assisted Living in Surrounding Areas

VictoriaNational Ave…State AverageCorpus ChristiWacoHouston AreaSan Antonio…Austin AreaMcAllen Area$2,500$3,000$3,500$4,000$4,500$5,000$5,500

RegionCost of Assisted Living

Victoria$4,370.00

National Average$4,000.00

State Average$3,795.00

Corpus Christi$2,975.00

Waco$3,695.00

Houston Area$3,863.00

San Antonio Area$3,975.00

Austin Area$5,190.00

McAllen Area$4,050.00

$5,500

Senior care costs vary depending on the type and amount of care required. In Victoria, a private nursing home room costs $7,908 per month, nearly twice the cost of assisted living care. A semiprivate room is $4,943. While these costs initially seem higher than homemaker and health aide services, they may end up being similar when seniors factor in rent, utilities, meals and property maintenance. Residential facilities for seniors typically include these fees in their monthly or yearly rent for residents.

 

Qualifying low-income Victoria seniors can utilize Medicaid for long-term care. You can have Medicaid and Medicare, a nationwide health insurance program for elderly citizens, at the same time. When a senior uses both insurance programs for assisted living expenses, healthcare providers bill Medicare first because it’s considered the primary insurance policy. Medicaid picks up many of the services not covered by Medicare, though seniors may still have some out-of-pocket expenses.

Income and asset limits apply for Medicaid recipients in Texas. As of 2019, Medicaid applicants age 65 and older must not earn more than $771 per month. This figure increases to $1,057 for married applicants.

Asset limits are capped at $2,000 for individual applicants and $3,000 for married couples. If only one spouse applies for coverage, then the asset limit remains at $2,000.

Income limits are higher for institutional and nursing home Medicaid recipients and those who need Medicaid waivers or home and community-based services. Single applicants have monthly income limits of $2,313, while married couples can bring home up to $4,626 per month.

The STAR+PLUS Waiver

The STAR+PLUS waiver is a managed care program that limits enrollment, so not all applicants will get approved for services. This Medicaid program covers assisted living expenses as well as respite care, so caretakers can have a break from their duties. The program also offers in-home support, such as meal delivery and adaptive aids, designed to prevent program members from being placed in a nursing home.

The Community First Choice (CFC) Program

The Community First Choice program, commonly called the CFC, is an entitlement program. That means that qualifying applicants are approved, and benefits are guaranteed for these applicants.

This program provides funds for personal care, and it also covers expenses related to in-home support. Examples include:
 

• Meal delivery
• Medical alert services
• Chore services

 

In addition to meeting income and asset requirements, applicants must typically require assistance with at least one essential daily task, such as bathing or eating.

Primary Home Care

As the name implies, Primary Home Care is a Medicaid program that helps cover expenses for personal care in the home. Unlike many other programs for seniors, this program lets participants select their own caregivers rather than choosing them from a list. Qualifying family members can even become paid caretakers through this program.

Day Activity and Health Services

Day Activity and Health Services is an adult day care program for members who wish to avoid nursing home placement and remain under the care of their families. This Medicaid program gives caregivers time away from caretaker duties during the day. It covers adult day care and other health services that occur up to five times per week during traditional business hours.

 

Senior Bridge Loans

Elderlife Financial Services offers short-term bridge loans for seniors who are currently unable to afford assisted living expenses but anticipate having enough funds to cover these expenses in the near future. Funds are available in as little as 24 hours and are sent directly to the senior living community or home care agency of your choice.

Seniors interested in bridge loans have the option to apply alone or with a group of family members. Up to six family members can cosign on behalf of the intended recipient. Approved funds are distributed as a line of credit or as a one-time lump sum payment.

SSI State Supplementary Payments

Seniors who receive federal Social Security Income payments can also apply for SSI state supplemental payments. These are state-funded payments available for qualifying applicants in 46 states, including Texas. These funds are limited to Medicaid recipients who currently reside or have a need for residency in a nursing home or intermediate care facility. 

The Texas Department of Health and Human Services (HHS) administers these state-funded payments. Dial 2-1-1 to find an HHS office in the Victoria area, or visit the My Texas Benefits site for information about local offices.

The Department of Veterans Affairs provides benefits, including medical care and financial assistance, for qualifying veterans. Vet centers offer application assistance as well as support for veterans who already receive benefits.

Texas Veterans Commission
1502 E. Airline Rd. #40, Victoria, TX 77901
(361) 582-7700

Victoria County Veterans Services Office
2805 N. Navarro St. #501, Victoria, TX 77901
(361) 582-5810

Victoria VA Outpatient Clinic
1908 N. Laurent St., Victoria, TX 77901
(361) 582-7700

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