Whether you should purchase long-term-care insurance to qualify for the MassHealth exemptions is a personal decision. Depending on your financial circumstances, you could decide to purchase sufficient long-term-care insurance to cover the full cost of any care you might require, thus eliminating the need for public assistance. You might also have other resources you plan on using to supplement whatever coverage you purchase.

For advice on whether to purchase long-term-care insurance for the purpose of qualifying for MassHealth exemptions or for other advice in protecting your assets, you should speak with an attorney or financial planner experienced in estate planning and MassHealth eligibility.

To learn about MassHealth benefits, contact the MassHealth Customer Service Center:

1-800-841-2900 (TTY: 1-800-497-4648 for people with partial or total hearing loss)