As you consider your options to finance long term care, it is always wise to contact your attorney and/or financial planner for input and advice.

Private funding: An individual pays for the nursing or rest home stay using his or her own personal resources.

  • After these savings and other resources are spent, many people who stay in nursing homes for long periods become eligible for Medicaid (also called MassHealth).

  • Some people use long-term care insurance to help cover Nursing Home costs. Contact the Division of Insurance for a copy of their book titled Your Options for Financing Long Term Care - A Massachusetts Guide, 617-521-7777.

Medicare: a federal health insurance program administered by the Centers for Medicare and Medicaid Services (CMS).

  • Medicare pays for skilled nursing or rehabilitative care at a Medicare-certified facility for a limited time as long as you continue to meet the Medicare criteria.

  • Medigap insurance and HMO's: These types of health insurance only help pay for Medicare-certified stays in a skilled nursing facility.

  • Learn more about Medicare from the SHINE Program (Serving the Health Information Needs of Elders) at 1-800-AGE-INFO (1-800-243-636), the CMS web site or calling the CMS national customer service number, 1-800-MEDICARE (1-800-633-4227).

Medicaid is a public benefit program. In Massachusetts, the program is administered by the Division of Medical Assistance and is called MassHealth.

  • For people who meet income and clinical criteria.

  • Learn more about long term care Medicaid from MassHealth, the CMS website or call the Medicaid Customer Service at 1-800-841-2900.

Veterans' Benefits administered by the state Department of Veterans' Services.

  • For Veterans, and their spouses, based on financial need.

  • Learn more about Veterans' Benefits from the local Veterans' Agent in your community, the Department of Veterans' Services website, or call 1-877-222-8387.

Supplemental Security Income (SSI) is administered by the Social Security Administration.

  • For people with limited income and disabled or age 65 and over and who meet residency requirements.

  • To learn more about SSI, call your local Social Security Office, visit the Social Security Administration website, or call the Social Security Customer Service Office at 1-800-772-1213.