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What Happens When the Money Runs Out

Spend-down, Medicaid transitions, and why you should ask a community about this before you move in.

HomeCosts & PayingWhat Happens When the Money Runs Out
Short answer

If private funds run out, the options are the Medicaid STAR+PLUS waiver for assisted living care services, Medicaid nursing facility coverage, or moving to a community that accepts Medicaid. Many Austin-area assisted living communities do not contract with Medicaid managed care at all.

Ask before you move in, not after

This is the single most consequential question families skip. A community that does not contract with Medicaid managed care will ask your parent to leave when private funds are exhausted — often with thirty days' notice, at the point when moving is hardest.

Ask directly: do you accept STAR+PLUS, and how many current residents are on it? The second half of that question matters. A community can technically hold a contract and still have no Medicaid beds available.

The waiting problem

STAR+PLUS assisted living services are interest-list driven. Getting on the list takes a phone call; getting through it can take considerably longer. Families who wait until funds are nearly gone discover the timeline does not bend for them. If Medicaid is a realistic eventual path, join the interest list early, even while paying privately.

How Austin families pay for care. Medicare does not cover assisted living. Texas has no broad state assisted living benefit. The main routes are private funds, Medicaid STAR+PLUS, and VA Aid and Attendance. Read the full explanation →
The Austin-area long-term care ombudsman. Free, confidential and independent of Texas HHS. Capital Area covers Travis, Williamson and Hays at 512-916-6054. Read the full explanation →

Questions Austin families ask

How do I get Meals on Wheels in Austin?

Call Meals on Wheels Central Texas at 512-477-2273, weekdays 8 to 5. Eligibility requires being primarily homebound, unable to easily prepare nutritious meals, without consistent daytime help, and able to accept delivery in the Greater Austin area. Enrollment includes case management. Rural counties are served separately.

What free transportation is available for Austin seniors?

Several options. Senior Access, formerly Drive a Senior, provides free volunteer-driver rides. The City of Austin Parks and Recreation Senior Transportation Program serves residents 60 and older inside city limits. CapMetro Access offers ADA paratransit, and CapMetro gives a half-price Reduced Fare ID at 65.

Is there free help for dementia caregivers in Austin?

Yes. AGE of Central Texas at 512-451-4611 offers a free early-stage memory loss program, caregiver support groups, and CaregiverU evidence-based courses at no charge. It also lends wheelchairs, walkers, and shower benches free. Adult day health care with dementia-trained staff runs in Austin and Round Rock.

Where can I borrow a wheelchair or walker in Austin for free?

AGE of Central Texas runs a health equipment lending program providing wheelchairs, walkers, shower benches, and other assistive devices at no cost. Call 512-451-4611 or visit 7640 Guadalupe Street, Austin. This is often faster than waiting on Medicare durable medical equipment authorization after a hospital discharge.

Who helps with guardianship or money management for an Austin senior?

Family Eldercare at 512-483-3580 provides guardianship, money management, in-home counseling, and service coordination for Austin-area seniors and adults with disabilities. For financial exploitation concerns, also report to Adult Protective Services at 1-800-252-5400. The Capital Area ADRC at 855-937-2372 can refer you to legal assistance.

Not sure where to start?

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