Massachusetts Medicaid

The Nursing Home environment allows the Senior to enjoy their old age surrounded by friends along with extra medical supervision and is structured to ease the life of the senior so they can enjoy their days in comfort and happiness.

Unfortunately, this comes with a large price tag.

The cost to provide proper care and therapy services to the seniors is exorbitant, and the senior must contribute a substantial amount on a monthly basis. For the average professional senior, the nursing home setting can exhaust his retirement accounts within a few short years.

The federal government partners with each state individually to create a financial program to pay for benefits in the Nursing Home, ensuring that the seniors of our country receive the proper care in their old age. In Massachusetts this program is called MassHealth.

Need help applying for Massachusetts Medicaid? We can help!

Contact Senior Planning Services today to learn more

Asset allowances document checklist

Who is eligible for MassHealth?

MassHealth has a complicated application process to ensure the benefits are being paid out to eligible applicants. As each senior has their own portfolio that has been compiled through their lifetime, there are specific guidelines and regulations that pertain to each case. Senior Planning Services has a handle on the countless rules and regulations to ensure the application is submitted correctly. Every case retained by Senior Planning Services is handled by an experienced case manager who guides the applicant and family on the steps needed to obtain the approval quickly and easily.

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

A long-term care applicant's assets must fall below specific thresholds to qualify for Medicaid. As of 2025, the limits are $2,000for 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. Certain allowable deductions can 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 the program. 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, this is what we do all day, every day. 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.

Our Medicaid Planning 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 client on status on a consistent basis
Submit 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