Your policy must provide certain benefits in order for you to qualify for the MassHealth eligibility and recovery exemptions. When you enter a nursing home, your policy must:
  • cover nursing-home care for at least 730 days;
  • pay at least $125 per day for nursing-home care; and
  • not require an elimination period (days that services must be provided before your policy will begin to pay) of more than 365 days, or in lieu of a waiting period, a deductible of more than $54,750.

In order to qualify for MassHealth exemptions, your policy, regardless of whether it is an individual or group policy, must meet certain minimum standards set by the Division of Insurance (see 211 CMR 65.05).