Continuing care retirement communities

Continuing care retirement communities (CCRCs) provide lifetime housing by combining independent living, assisted living, and nursing home care in one residential setting. This allows you to move within the community as your need for care changes. Many communities also have fitness centers, pools, dining rooms, and social activities.

CCRCs require you to pay an entrance fee before moving in and a monthly fee for services. You must sign a contract outlining the care you’ll get and the monthly fees. Be sure you understand the fees, including any potential fee increases if your level of care changes. Consider having a lawyer or financial adviser review the contract before you sign it.

Fees and Insurance

Most people pay the cost of living in a CCRC with their personal savings or from the proceeds of selling their houses. Once in a CCRC, you can use long-term care insurance, private insurance, Medicare, or Medicaid to pay for some of your health care. Some CCRC contracts might provide coverage for health care, but be sure that you understand what the contract provides before you drop your own coverage.

The Texas Department of Insurance (TDI) regulates CCRCs that require an entrance fee, but our authority is limited. For instance, we don’t regulate CCRC rates or contract language. You can check the license status of a CCRC, insurance company, or agent by calling our Consumer Help Line at 1-800-252-3439 or by using the Company Lookup feature on our TDI website.


To file a complaint against a CCRC with TDI, call the Consumer Help Line or use the Online Complaint Portal.

For complaints against a CCRC’s assisted living or nursing home care, call the Texas Department of Aging and Disability Services’ Consumer Rights and Services Hotline at 1-800-458-9858.


Visit CARF International, a nonprofit accreditor of health and human services, for consumer guides to help you understand CCRCs.

For ratings on the nursing home entity within a CCRC, use’s Nursing Home Compare website.

Get Help from TDI

For insurance questions or for help with an insurance-related complaint, call the Consumer Help Line or visit our website.

Visit to shop for automobile, homeowners, condo, and renters insurance, and to learn more HelpInsure:index about health insurance and your options for coverage.

The information in this publication is current as of the revision date. Changes in laws and agency administrative rules made after the revision date may affect the content. View current information on our website. TDI distributes this publication for educational purposes only. This publication is not an endorsement by TDI of any service, product, or company.

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Last updated: 05/17/2018