Raider Ranch

Article: How to get Medicare and Medicaid to Pay for Assisted Living

Description

Raider Ranch is a luxury senior living community located in Lubbock, TX, providing independent living services in a resort-style setting. This senior living community offers spacious one-to-three bedroom apartment homes equipped with a full kitchen, spacious walk-in closets and living areas, and full toilet and baths. Each apartment unit is also equipped with wireless personal emergency systems, and a laundry area with full sized washer and dryers.
Raider Ranch’s independent living community boasts of their community amenities which promotes fun, comfort, and a sense of community. From their heated indoor pool, to meticulously prepared meals in their grand dining hall, to their fitness centers and cafes and on-site salon and spa, Raider Ranch residents truly embody what it’s like to retire comfortably, and worry-free.

Comparison Chart

Compare senior living communities around the area

Raider Ranch

Lubbock

N/A

The Sherick

Lubbock

Studio / Suite

N/A

Claim What’s Yours: Financial Aid for Texas Seniors

Program

State Program Name

Eligibility

Benefits

Community Care for the Aged and Disabled (CCAD)

TX Medicaid CCAD

General: Age 65+ or disabled, Texas resident, Medicaid-eligible, care need (not always nursing home level).
Income Limits (2025): ~$2,829/month (300% FBR, individual).
Asset Limits: $2,000 (individual), $3,000 (couple).
TX Specifics: Large state; rural access challenges.

Services: Personal care (5-7 hours/day), respite (240 hours/year), adult day care (~$60/day), home aides.

Texas Community Care Services

TX CCS

General: Age 60+, Texas resident, at risk of decline.
Income Limits: ~$2,000/month (individual, varies).
Asset Limits: $5,000 (individual).
TX Specifics: Limited funding; high demand in urban areas.

Services: In-home care (3-5 hours/week), respite (up to 10 days/year), transportation (~5 trips/month).

Area Agency on Aging (AAA) Services

Texas AAA Services

General: Age 60+, TX resident; no income/asset limits.
Income Limits (2025): None; donations encouraged.
Asset Limits: Not assessed.
TX Specifics: 28 AAAs; includes Meals on Wheels in some areas.

Services: Meals (~$5-$7/meal), transportation, homemaker services (~4 hours/week), respite (~5 days/year), legal aid.

Medicare Savings Program (MSP)

Texas Medicare Savings Program

General: Age 65+ or disabled, TX resident, Medicare Part A/B.
Income Limits (2025): ~$2,510/month (QMB), ~$3,380/month (SLMB), ~$3,598/month (QI)—individual.
Asset Limits: $9,430 (individual), $14,130 (couple).
TX Specifics: Includes Extra Help for Part D; no waitlist.

Services: Covers Part B premiums ($174.70/month), deductibles ($240/year), copays (~20%).

Low-Income Home Energy Assistance Program (LIHEAP)

Texas Comprehensive Energy Assistance Program (CEAP)

General: Age 60+ prioritized, TX resident, low-income.
Income Limits (2025): ~$3,970/month (185% FPL).
Asset Limits: Not assessed.
TX Specifics: Priority for elderly/disabled; covers gas, electric, propane.

Services: Heating/cooling aid ($300-$1,000/season), emergency aid ($500 max).

Family Caregiver Support Program (FCSP)

Texas Family Caregiver Support Program

General: Caregivers of 60+ needing care or 55+ caregivers of others; TX resident; 2+ ADLs.
Income Limits (2025): No strict cap; prioritizes low-income (~$24,980/year).
Asset Limits: Not assessed.
TX Specifics: High rural demand; includes grandparent caregivers.

Services: Respite (4-6 hours/week or 5 days/year), adult day care ($60/day), training, supplies (~$500/year).

Senior Community Service Employment Program (SCSEP)

Texas SCSEP

General: Age 55+, unemployed, low-income, TX resident.
Income Limits (2025): ~$1,983/month (125% FPL).
Asset Limits: Not specified.
TX Specifics: Priority for veterans, rural residents; AARP partnership.

Services: Paid training (~20 hours/week at ~$7.25/hour), job placement.

VA Aid and Attendance (A&A) and Housebound Benefits

Texas VA Aid and Attendance/Housebound

General: Age 65+ or disabled veteran/spouse, TX resident, wartime service, ADL help (A&A) or homebound.
Income Limits (2025): Net income < ~$1,984/month (veteran with dependent, A&A); pension offsets income.
Asset Limits: ~$155,356 (net worth).
TX Specifics: High veteran population; supports rural/urban needs.

Services: Cash (~$1,433-$2,642/month veteran, ~$951-$1,318 spouse) for care costs.

Property Tax Exemption for Seniors

Texas Senior Property Tax Exemption

General: Age 65+, TX resident, homeowner (homestead).
Income Limits (2025): None; tax-based eligibility.
Asset Limits: Not assessed.
TX Specifics: $25,000+ exemption; optional freeze in some counties; saves ~$500-$1,000/year.

Services: Tax exemption or freeze (~$500-$1,000/year savings).

Senior Farmers’ Market Nutrition Program (SFMNP)

Texas SFMNP

General: Age 60+, TX resident, low-income.
Income Limits (2025): ~$2,322/month (185% FPL).
Asset Limits: Not assessed.
TX Specifics: Vouchers (~$50/season); serves ~20,000 via 28 AAAs.

Services: Vouchers (~$50/season) for produce at farmers’ markets.

Claim What’s Yours Financial Aid for Texas Seniors

TX Medicaid CCAD

Community Care for the Aged and Disabled (CCAD)

Eligibility

General: Age 65+ or disabled, Texas resident, Medicaid-eligible, care need (not always nursing home level).
Income Limits (2025): ~$2,829/month (300% FBR, individual).
Asset Limits: $2,000 (individual), $3,000 (couple).
TX Specifics: Large state; rural access challenges.

Benefits

Services: Personal care (5-7 hours/day), respite (240 hours/year), adult day care (~$60/day), home aides.

TX CCS

Texas Community Care Services

Eligibility

General: Age 60+, Texas resident, at risk of decline.
Income Limits: ~$2,000/month (individual, varies).
Asset Limits: $5,000 (individual).
TX Specifics: Limited funding; high demand in urban areas.

Benefits

Services: In-home care (3-5 hours/week), respite (up to 10 days/year), transportation (~5 trips/month).

Texas AAA Services

Area Agency on Aging (AAA) Services

Eligibility

General: Age 60+, TX resident; no income/asset limits.
Income Limits (2025): None; donations encouraged.
Asset Limits: Not assessed.
TX Specifics: 28 AAAs; includes Meals on Wheels in some areas.

Benefits

Services: Meals (~$5-$7/meal), transportation, homemaker services (~4 hours/week), respite (~5 days/year), legal aid.

Texas Medicare Savings Program

Medicare Savings Program (MSP)

Eligibility

General: Age 65+ or disabled, TX resident, Medicare Part A/B.
Income Limits (2025): ~$2,510/month (QMB), ~$3,380/month (SLMB), ~$3,598/month (QI)—individual.
Asset Limits: $9,430 (individual), $14,130 (couple).
TX Specifics: Includes Extra Help for Part D; no waitlist.

Benefits

Services: Covers Part B premiums ($174.70/month), deductibles ($240/year), copays (~20%).

Texas Comprehensive Energy Assistance Program (CEAP)

Low-Income Home Energy Assistance Program (LIHEAP)

Eligibility

General: Age 60+ prioritized, TX resident, low-income.
Income Limits (2025): ~$3,970/month (185% FPL).
Asset Limits: Not assessed.
TX Specifics: Priority for elderly/disabled; covers gas, electric, propane.

Benefits

Services: Heating/cooling aid ($300-$1,000/season), emergency aid ($500 max).

Texas Family Caregiver Support Program

Family Caregiver Support Program (FCSP)

Eligibility

General: Caregivers of 60+ needing care or 55+ caregivers of others; TX resident; 2+ ADLs.
Income Limits (2025): No strict cap; prioritizes low-income (~$24,980/year).
Asset Limits: Not assessed.
TX Specifics: High rural demand; includes grandparent caregivers.

Benefits

Services: Respite (4-6 hours/week or 5 days/year), adult day care ($60/day), training, supplies (~$500/year).

Texas SCSEP

Senior Community Service Employment Program (SCSEP)

Eligibility

General: Age 55+, unemployed, low-income, TX resident.
Income Limits (2025): ~$1,983/month (125% FPL).
Asset Limits: Not specified.
TX Specifics: Priority for veterans, rural residents; AARP partnership.

Benefits

Services: Paid training (~20 hours/week at ~$7.25/hour), job placement.

Texas VA Aid and Attendance/Housebound

VA Aid and Attendance (A&A) and Housebound Benefits

Eligibility

General: Age 65+ or disabled veteran/spouse, TX resident, wartime service, ADL help (A&A) or homebound.
Income Limits (2025): Net income < ~$1,984/month (veteran with dependent, A&A); pension offsets income.
Asset Limits: ~$155,356 (net worth).
TX Specifics: High veteran population; supports rural/urban needs.

Benefits

Services: Cash (~$1,433-$2,642/month veteran, ~$951-$1,318 spouse) for care costs.

Texas Senior Property Tax Exemption

Property Tax Exemption for Seniors

Eligibility

General: Age 65+, TX resident, homeowner (homestead).
Income Limits (2025): None; tax-based eligibility.
Asset Limits: Not assessed.
TX Specifics: $25,000+ exemption; optional freeze in some counties; saves ~$500-$1,000/year.