Medicaid planning in Texas can be stressful and anxiety-inducing. There are innumerable guidelines to follow, countless documents to obtain, and multiple appointments to make. Plodding through the lengthy and convoluted application process is enough to make you throw up your hands in defeat.

It doesn't have to be this way!

At Senior Planning Services, we are thoroughly familiar with the standards for Medicaid eligibility in Texas. So you don’t have to undergo the stress and anxiety that often come along with this trying time period, our Texas Medicaid consultants take care of the application and approval process from start to finish. You get more than just sound advice when you work with us; you get actual execution and implementation.

Seniors and their families need access to the Medicaid benefits they deserve, and our comprehensive services are aimed at meeting this need. We streamline the entire process, starting with an initial consultation and assessment. Then, we assist with obtaining Medicaid-required documentation and paperwork, fill out applications on your behalf, and act as a liaison with the State of Texas's Medicaid eligibility department. We'll be right by your side until you receive your official approval.
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What is Medicaid and Why Do I Need It?

Medicaid is a safety net. One of its primary purposes is to fund the costs of nursing homes and assisted living facilities. The average cost of assisted living in Texas is $6,000 per month, or $72,000 per year, a large sum even for those who have been saving for a lifetime. If you qualify for Medicaid-assisted living in Texas, these costs can be offset, ensuring you receive a high level of care even if your savings can't pay for it all.

How Do I Meet the Standards For Medicaid Eligibility in Texas?

Medicaid eligibility for seniors in Texas depends on several factors. Though the Medicaid program is designed to help people pay for the often staggering costs of nursing homes and other long-term care options, there's a caveat. You must adhere to numerous rules and regulations to receive benefits.

To meet standards for Texas Medicaid nursing home eligibility, you must:
• Be a legal U.S. citizen or qualified alien
• Be a resident of Texas
• Meet income and asset requirements
• Be 65 years of age, blind, or permanently disabled

Financial Requirements

Income

Income

A long-term care applicant’s income may not exceed certain limits. As of 2025, these limits are $2,901 per month. If your income is higher than this, Senior Planning Services can help you set up a Qualified Income Trust (Miller Trust) so you can still qualify.
Assets

Assets

To be eligible for Medicaid nursing homes in Texas, a long-term care applicant's assets must fall below specific thresholds to qualify for Medicaid. As of 2025, the asset limits in Texas are $2,000 for single applicants, $3,000 for couples applying together, and up to $157,920 for the non-applicant spouse in cases where only one spouse is applying.

It’s important to note that Medicaid enforces a five-year look-back period for financial transactions. During this time, any gifts or asset transfers may result in a penalty period of ineligibility for Medicaid coverage. This penalty corresponds to the total value of assets gifted or transferred during the look-back period. (There are some exceptions to the transfer rules that Medicaid may allow.)
Medical

Medical

A pre-admission screening is required to determine Medicaid eligibility in Texas for the elderly. A physical evaluation from a Medicaid nurse will ascertain whether you need assistance with activities of daily living (ADL), such as showering, dressing, eating, and toileting.

Why You Will Gain By Using Our Medicaid Specialists

In a word: expertise.
At Senior Planning Services, this is what we do all day, every day. Our Texas Medicaid specialists have the resources, relationships, and know-how to help our clients maximize their benefits. When you sign up for Medicaid in Texas with us, you get more than just guidance; you get all the answers you need during this overwhelming time in life. If you are a first timer who needs help applying for Medicaid in Texas, or if you need assistance with your Texas Medicaid renewals, we can help.

Benefit From Our Services For Seniors Applying To Texas Medicaid


Gain from the following services we offer seniors and their families applying to Medicaid with us:
  • A free Medicaid Consultation
  • Assistance in obtaining 60 months of bank and financial statements from financial institutions' back offices.
  • Assistance in obtaining verifications from banks regarding checks, deposits, and cash withdrawals
  • Providing all verification to satisfy all of Medicaid's requests.
  • Assisting families in utilizing excludable resources
  • Assisting clients in the process of liquidating life insurance policies, annuities, and stocks etc.
  • Obtaining missing documentation from the Vital Statistics office, if necessary
  • Updating the client on the status consistently
  • Submitting the application to the county Board of Social Services
  • Liasing with the Board of Social Services caseworker regularly
The experts at Senior Planning Services are just a phone consultation away.
Let us replace your stress and anxiety with direction and clarity.
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FAQs on Medicaid for Seniors in Texas

How do I apply for Medicaid for seniors in Texas?
Apply for Medicaid for seniors in Texas by submitting an application through Your Texas Benefits online, by phone at 2-1-1, or by mailing a paper form. Seniors must meet income and resource limits. Required documents include proof of age, income, assets, and residency. Applications are reviewed by Texas Health and Human Services.
Does Medicaid pay for nursing homes in Texas?
Medicaid pays for nursing home care in Texas if seniors meet medical necessity, income, and asset requirements. Coverage includes room, board, nursing services, and personal care. Applicants must be financially eligible and require daily skilled nursing. Texas Health and Human Services determines eligibility after application review.
Who can apply for Medicaid in Texas?
Medicaid in Texas is available to low-income residents who meet state and federal eligibility rules. Eligible groups include children, pregnant women, seniors over 65, people with disabilities, and parents with dependent children. Applicants must provide proof of income, assets, citizenship or residency, and identity during the application process. Senior Planning Services can help you if you are not sure if you meet eligibility standards.
Does Texas have Medicaid for seniors?
Texas offers Medicaid for seniors who meet income and resource limits. The program helps seniors 65 and older with medical care, prescription drugs, and long-term services such as nursing home care. Eligibility requires proof of age, residency, income, and assets. Applications are handled by Texas Health and Human Services.
How long does Medicaid renewal take in Texas?
Texas Medicaid renewal usually takes 30 to 45 days after submitting all required documents. Processing time depends on the verification of income, residency, and eligibility information. Delays may occur if forms are incomplete or if additional proof is requested by Texas Health and Human Services during review.
What do I need to apply for Medicaid in Texas?
To apply for Medicaid in Texas, you need proof of identity, age, and U.S. citizenship or legal residency. Required documents also include Social Security number, proof of Texas residency, income statements, bank account details, and information on assets. Contact one of Senior Planning Services’ experts to check you have everything you need. Texas Health and Human Services uses these documents to confirm eligibility.