Short answer
If private funds run out, the options generally are a Medicaid HCBS waiver for care inside a licensed community, Medicaid nursing facility coverage, or moving to a community that holds a waiver provider agreement. Confirm your state's specific programs before relying on this.
Ask before you move in, not after
This is the single most consequential question families skip. A community that does not hold a Medicaid waiver provider agreement will ask your parent to leave when private funds are exhausted — often with short notice, at the point when moving is hardest.
Ask directly: do you hold a Medicaid waiver provider agreement, and how many current residents use it? A community can technically hold an agreement and still have no waiver capacity available.
How families pay for care. STAR+PLUS HCBS pays for care services inside a participating facility, not room and board. VA Aid and Attendance adds up to $2,874/month for a veteran with a dependent. Read the full explanation →
The local long-term care ombudsman. Tarrant County: Area Agency on Aging of Tarrant County Ombudsman Program, 817-258-8000. Outside Tarrant County: statewide line 800-252-2412. Read the full explanation →
