Planning for Life

Can I Get Help in Massachusetts with the Cost of Caring for My Parent at Home?

Posted by Harry S. Margolis on December 27, 2011

By Patricia C. D’Agostino

The short answer to this question is, yes. In addition to providing assistance with the cost of nursing home care, MassHealth provides some assistance with the cost of care at home or otherwise referred to as "in the community." However, the assistance is supplemental as opposed to the comprehensive coverage for nursing home care and there are a variety of different programs available, so you will need to the choose the one that best fits your parents’ needs. A few of the programs available are the Personal Care Attendant, Adult Foster Care, and Community Choices.

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Topics: MassHealth, special needs planning, MassHealth planning

5 Rules You Need to Know About MassHealth Nursing Home Eligibility

Posted by Harry S. Margolis on November 22, 2011

By Harry S. Margolis

 MassHealth (Medicaid) is the main payment source for nursing home care in Massachusetts (and nationally).  Its eligibility rules are complicated and often misunderstood.  Here are the basics:

    1.    Countable Assets Limit.  The nursing home resident is limited to $2,000 in “countable” assets.  Most assets are counted against this limit, except for the home (in most instances), one automobile, a prepaid funeral plan, and personal belongings, such as clothing and furniture. 

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Topics: MassHealth

Should You Have to Spend Down for MassHealth Coverage?

Posted by Jamie Marshall on April 25, 2011

nursing home couple

By Harry S. Margolis

We recently received this question from one of our readers:

Since when does a nursing home require that all assets be given to them, including life insurance policies before going on MassHealth? Why should they get every penny while the person is alive and after they die too?

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Topics: MassHealth, MassHealth planning, long-term care planning

MassHealth Nursing Home Residents Should Keep Their Medigap Insurance

Posted by Jamie Marshall on March 23, 2011

nursing home residentThe families of nursing home residents moving from private pay to MassHealth coverage in nursing homes often ask whether they should maintain their Medicare supplemental insurance policies. We generally tell them that it’s up to them because it makes not financial difference.

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Topics: MassHealth, Medicare, nursing homes

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