The Nursing Home environment allows seniors to enjoy their old age surrounded by friends, along with extra medical supervision. It is structured to ease life for seniors so they can enjoy their days in comfort and happiness.

Unfortunately, this comes with a large price tag.

The cost of providing proper care and therapy services to seniors is exorbitant, and seniors have to contribute a substantial amount for care each month. For the average senior, being in a nursing home can exhaust their retirement accounts within a few short years.

The federal government partners with each state individually to create a financial program, known as Medicaid, to cover the costs of nursing home care. This ensures that seniors in the USA receive proper care in their old age. In Massachusetts, this program is also called MassHealth. For those who are eligible, Medicaid for nursing home care can significantly reduce their overhead.

At Senior Planning, we help seniors with Medicaid planning in Massachusetts. Though Medicaid is a lifesaver for many, filling out the MassHealth long-term care application is a lengthy and confusing process. Our Medicaid consultants in Massachusetts have the experience and know-how to get your application filed quickly and successfully.

Ready to Apply for Medicaid in Massachusetts? We can help!

Contact Senior Planning Services today to learn more

Asset allowances document checklist

Who Is Eligible for MassHealth?

MassHealth eligibility for seniors depends on several factors. To ensure that benefits are being paid out to eligible applicants, there is a complicated application process in place. Senior Planning Services has a handle on the countless rules and regulations and Medicaid-required documentation to ensure that each application is submitted correctly. Every case retained by Senior Planning Services in MA is handled by an experienced case manager who guides the applicant and family on the steps needed to obtain Massachusetts Medicaid for the elderly care recipient.

There are a few basic requirements to be eligible for MassHealth:
• Be a legal U.S. citizen
• Be a resident of Massachusetts
• Meet income and asset requirements
• Be 65 years of age OR be blind or permanently disabled

Financial Requirements

assets

To qualify for long-term care under Medicaid in Massachusetts, an applicant's assets must fall below specific thresholds. As of 2025, the asset limits in Massachusetts are $2,000 for single applicants, $4,000 for couples applying together, and up to $157,920.00 for the non-applicant spouse in cases where only one spouse is applying.

income

The applicant's monthly income is paid directly to the facility. MassHealth will supplement the remaining balance of the facility costs after the PPA (Patient Paid Amount) or income payment is applied to the account. Massachusetts Medicaid eligibility standards allow certain deductions to be made from the applicant's income, including:
1. Secondary Insurance Premiums
2. PNA (Personal Needs Allowance): The applicant may retain $72.80 per month for personal expenses.
In specific cases, a spouse may be permitted to keep a portion of the applicant's income, depending on the individual circumstances.

Clinical Eligibility

The state completes a clinical review to determine if the applicant is eligible for a nursing home under Medicaid in Massachusetts. This is dependent on the applicant's ability to independently perform the ADLs (activities of daily living).

Why Our Medicaid Specialists Are Different

In a word: expertise.
At Senior Planning Services in Massachusetts, we have successfully applied for MassHealth for seniors over 65 many times previously. This is what we do all day, every day. We have perfected the Medicaid planning process and move quickly and efficiently. Our Medicaid specialists have the resources, relationships, and know-how to help our clients maximize their benefits. We don't just guide individuals, couples, and families through the Medicaid process, we shoulder the burden to provide all the answers and alleviate all concerns during this particularly overwhelming junction of life. If you need to apply for Medicaid for assisted living in Massachusetts, we can help.

Medicaid Planning in Massachusetts: Our Services

Offer a free Medicaid Consultation
Assist in obtaining 60 months of bank and financial statements from financial institutions' back offices.
Assist in obtaining verifications from banks regarding checks, deposits, and cash withdrawals
Shoulder burden to provide all verification to satisfy all Medicaid's requests.
Assist families in utilizing excludable resources

Assist clients in the process of liquidating life insurance policies, annuities, and stocks, etc.
Obtain missing documentation from the Vital Statistics office, if necessary
Update the client on the status consistently
Submit the application to the county Board of Social Services
Interact with the Board of Social Services caseworker regularly

The experts at Senior Planning Services are just a phone consultation away.
Let us replace your stress and anxiety with direction and clarity.

Give us a call at 855.775.2664 or

Massachusetts Medicaid FAQ

What is the Medicaid advantage for seniors in MA?: In Massachusetts, Medicaid (called MassHealth) helps seniors 65+ access affordable healthcare, including long-term care, home services, and coverage for Medicare costs. Programs like Senior Care Options (SCO) offer coordinated, no-cost care to help seniors stay independent.
Why is it necessary to get Medicaid at 65?: You're not forced to get Medicaid at 65. However, if you have limited income and assets, you may become eligible for Medicaid to help cover healthcare costs that Medicare doesn't fully pay for, like long-term care or copays. It's optional and based on financial need.
Does MassHealth check income for seniors?: Yes, MassHealth checks income for seniors to determine eligibility. Seniors 65 and older must meet specific income and asset limits, which vary by program—for example, MassHealth Standard has strict limits, while programs like Senior Care Options may allow more flexibility.
Can you own a house and be on MassHealth?: Yes, you can own a house and still qualify for MassHealth. Your main home usually doesn't count against your assets. However, if you get long-term care, MassHealth might place a claim on your home to recover costs after you pass away. Owning a house usually won't stop you from getting MassHealth, but it could affect your estate later.