Navigating health insurance can feel overwhelming, especially for seniors and families caring for loved ones. In Massachusetts, MassHealth provides vital coverage that helps pay for medical care, prescription drugs, and even support at home. This guide breaks down what you need to know in clear, simple terms.
What is MassHealth?
MassHealth is the state’s Medicaid program. It provides health insurance for low-income individuals, seniors, and people with disabilities. Unlike private insurance, MH is funded by both state and federal government programs.
It covers essential services such as:
- Doctor and hospital visits
- Prescription medications
- Durable medical equipment like wheelchairs
- In-home support, including help with bathing, dressing, and cooking
Who Qualifies for MassHealth?
To determine MassHealth eligibility, the state looks at:
- Income – your monthly earnings.
- Assets – such as savings, cars, or property.
- Age – seniors aged 65+ often qualify.
- Status – you must be a U.S. citizen or legal resident.
Different plans exist within MH, such as:
- MassHealth Standard – the most comprehensive option, covering medical care, hospital stays, and long-term services.
- CommonHealth – for individuals with disabilities.
- Limited & Family Assistance – more restricted coverage, often emergency-only.
How It Supports Senior Care
For families seeking senior home health care, MH connects directly to programs like Adult Foster Care (AFC) and Group Adult Foster Care (GAFC). These programs allow seniors to remain in their homes—or supportive housing—while receiving daily care.
- AFC (Adult Foster Care): Seniors live with a trained caregiver who provides meals, personal care, and companionship.
- GAFC (Group Adult Foster Care): Seniors live in GAFC-approved housing, where staff provide personal care and support.
Both options help prevent unnecessary nursing home placements, offering dignity, safety, and independence.
Why Families Choose MassHealth
- Affordability: Most eligible seniors receive full coverage with little to no cost.
- Comprehensive Support: From medical needs to daily living assistance, MH fills critical gaps.
- Peace of Mind: Families know their loved ones have access to care without overwhelming financial burden.
Getting Started.
- Gather documents (income proof, ID, medical records).
- Apply online at MassHealth’s website or with help from an agency.
- Ask about AFC or GAFC if your loved one needs daily assistance.
At Clare Senior Care, we help families every step of the way—checking eligibility, filling out forms, and coordinating services so seniors can stay safe at home.
✅ In summary: MassHealth is more than insurance; it’s a pathway to affordable, reliable care for seniors and families in Massachusetts. Understanding eligibility and available programs like AFC and GAFC ensures your loved ones receive the support they deserve.
Frequently Asked Questions (FAQ)
Q: What does MassHealth cover for seniors?
MassHealth covers doctor visits, hospital stays, prescriptions, durable medical equipment, and in-home support such as help with bathing, dressing, and meals.
Q: Can MassHealth help pay for home care?
Yes. Through programs like Adult Foster Care (AFC) and Group Adult Foster Care (GAFC), MassHealth helps seniors receive daily personal care at home or in supportive housing.
Q: How do I apply for MassHealth?
You can apply online at MassHealth’s website, by phone, or with help from agencies like Clare Senior Care, who guide families through eligibility checks and paperwork
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