Any uncompensated transfers made during this window can result in a period of ineligibility, commonly referred to as the penalty period, which delays the start of benefits. The most prominent of these is the STAR+PLUS plan, which is a managed care program for individuals aged 65 and older and certain younger adults with disabilities.
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For the Institutional Care program, the monthly income limit is capped at a specific amount that covers the cost of care, minus a small personal needs allowance. This often requires the use of an income trust, also known as a Miller Trust, to capitate excess income toward medical expenses.
Age-Based Eligibility for Seniors Institutional Coverage for Seniors Once an individual reaches the age of 65, they automatically meet the categorical requirement for Medicaid in Texas, provided they meet the financial tests. The primary pathway for seniors is the Medicaid Institutional Care program, which covers the costs of nursing home care.
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The state offers several waiver programs that allow eligible individuals to receive long-term care services at home or in the community rather than in a nursing facility, but these programs have strict asset and income ceilings. Prospective applicants must gather proof of identity, citizenship, income statements, bank statements, and details regarding current living arrangements.
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