Planning for long-term care is an important step in preparing for the future—for yourself or for someone you care about. Long-term care includes a range of services and supports designed to help individuals who need assistance with daily activities due to aging, illness, disability, or cognitive changes. The ADRC is here to help you understand your options to make informed decisions.

Today’s Trends in Long-Term Care

Long-term care is changing. More people are choosing to age at home, relying on in-home supports and community-based services rather than institutional care. Family caregivers continue to play a vital role, while technology, home modifications, and flexible care models are making it easier to remain independent longer. At the same time, the need for long-term care is increasing as people live longer, making early planning more important than ever.

Things You Should Know About Long-Term Care

• Most people will need some form of long-term care during their lifetime
• Long-term care is not just for older adults—it can support people of all ages
• Medicare generally does not cover long-term care services
• Planning early gives you more choices and greater peace of mind
• The right care looks different for everyone—there is no one-size-fits-all solution

Types of Long-Term Care

Long-term care can be provided in many settings, depending on individual needs and preferences, including:

•  In-Home Care: Help with daily activities such as bathing, dressing, meals, and housekeeping
• Community-Based Services: Adult day programs, transportation, and supportive services
• Assisted Living: Housing with personal care and supportive services
• Nursing Homes: 24-hour skilled nursing and medical care
• Specialized Care: Memory care and services for individuals with specific conditions

How to Pay for Long-Term Care

Paying for long-term care can be challenging, but here are several options to explore:

• Personal income and savings
• Long-term care insurance
• Veterans’ benefits
• Public programs such as Medicaid (for those who qualify)

Understanding your financial options early can help reduce stress and protect your resources.

Long-Term Care Medicaid

Medicaid is a joint federal and state program that may help pay for long-term care services for individuals who meet financial and functional eligibility requirements. Medicaid can cover care in nursing homes and, in many cases, home and community-based services that allow individuals to remain in their homes. Eligibility rules can be complex, and planning matters.

The ADRC can help you understand Medicaid eligibility and learn about application requirements.

Need Help or Have Questions?

You don’t have to navigate long-term care alone. The ADRC is your trusted partner for unbiased information and options counseling. Contact us today to start the conversation and plan for a more secure tomorrow.

Toll-Free: 1-855-937-2372
Local: 832-393-5500
Email: ADRC@houstontx.gov