5 Mistakes Families Make Before Applying for MassHealth in MA

When a parent, spouse, or loved one needs long-term care, the financial impact can feel overwhelming. Many families in Massachusetts rely on MassHealth to help cover the steep cost of nursing homes, assisted living, or home care. The rules for qualifying are strict, and a single mistake can lead to delays or even denial of benefits.

Families often wait until a crisis hits when a loved one is about to enter a nursing home before taking action. Unfortunately, that timing leaves little room for effective planning. Working with an elder law attorney early can make all the difference. Let’s look at the top five mistakes families make before applying for MassHealth and how you can avoid them.

Mistake #1: Waiting Too Long to Plan

Many families assume they should only apply for MassHealth when a loved one is already in a nursing home. Unfortunately, waiting too long can mean unnecessary financial stress.

MassHealth has a five-year look-back period, meaning that any asset transfers made within five years of applying can result in penalties. By starting planning earlier, families can use trusts and other tools to protect assets without jeopardizing eligibility.

An elder law attorney can help you create a roadmap so you’re not caught off guard by sudden care needs.

Mistake #2: Giving Away Assets Too Quickly

A common misconception is that transferring assets to children or family members is the fastest way to qualify for MassHealth. In reality, these transfers can create disqualification periods, leaving your loved one without coverage when care is most needed.

Instead of quick fixes, families should explore legal options such as:

• Irrevocable trusts
• Life estates
• Asset preservation strategies that align with MassHealth rules

Properly structured planning protects your nest egg and ensures eligibility when the time comes.

Mistake #3: Overlooking the Healthy Spouse’s Needs

MassHealth rules treat married couples differently than single applicants. The spouse still living at home (often referred to as the “community spouse”) has specific rights to income and assets.

Too often, families spend down more than they need to, leaving the healthy spouse financially vulnerable. An elder law attorney can make sure the at-home spouse retains sufficient resources to remain secure and independent.

Mistake #4: Relying on Myths or Incomplete Information

There’s no shortage of misinformation about Medicaid and long-term care planning. Common myths include:

• “Medicare will cover the nursing home.” (It doesn’t, beyond a short rehab stay.)
• “I have to spend everything before I qualify.” (Not true—there are allowable protections.)
• “I can handle this myself with online forms.” (The rules are complex and mistakes can be costly.)

Families who rely on myths instead of sound legal guidance risk losing assets or being denied care coverage.

Mistake #5: Applying Without Professional Help

Completing a MassHealth application may seem straightforward, but the supporting documentation is extensive, and the review process is rigorous. Missing paperwork, incorrect disclosures, or poorly timed financial moves can result in denial.

Clients often share how relieved they feel after sitting down with our team, who “explained each step in simple terms” and made the process “seamless and stress-free”. With an elder law attorney by your side, you’ll have peace of mind knowing the application is handled correctly.

Key Takeaways

• MassHealth has strict rules and a five-year look-back period that make early planning essential.
• Giving away assets without guidance can create penalties instead of protections.
• Married couples have unique rules to safeguard the community spouse’s financial security.
• Myths about Medicaid often lead families astray; reliable advice is crucial.
• Working with an elder law attorney helps avoid mistakes, protect assets, and ensure timely eligibility.

Final Thoughts

Applying for MassHealth can be one of the most stressful moments a family faces, but you don’t have to go through it alone. With so much at stake, planning with the right legal guidance is key.

At Romano Law, families often tell us that our supportive approach helped to reduce stress and simplify the entire process. If you’re worried about the cost of care or unsure how MassHealth eligibility works, now is the time to take action. A conversation today could save your family significant stress tomorrow.

Contact Kristine Romano Law today to take the next step. 

References: Mass.gov – MassHealth Long-Term Services and Supports, and Social Security Administration – Your Right to Representation and AARP – 7 Things to Know About Medicaid and Long-Term Care