If you receive MassHealth and have long-term-care insurance that meets certain coverage requirements, you might be exempt from some MassHealth eligibility and recovery rules. These rules determine:
  • whether your home will need to be sold in order for you to become eligible for MassHealth benefits; and
  • whether you or your estate may need to repay MassHealth for any of the long-term care expenses it paid on your behalf.

This section provides only a brief overview of the complex laws that currently govern MassHealth and long-term care. You should seek independent, professional advice before making any decision. You should also be aware that laws do change and the exemptions and the minimum coverage requirements that exist today will not necessarily be the same in the future (or might not exist at all).