Description

Serving Western Massachusetts, Apex Home Care Services has been a steadfast source of support for individuals and families, offering top-notch in-home care for over two decades. With a solid commitment to quality and well-being, they offer quality care in the region. Their team of Certified Nursing Assistants and Home Care Aides deliver personalized care and homemaking services to clients throughout Greater Springfield and Western Massachusetts, covering areas such as Hampden County, Hampshire County, and many towns in the Pioneer Valley.
Above all, Apex Home Care’s paramount focus is enabling clients to continue residing in the comfort of their own homes. They can provide support in various settings, whether at home, in a hospital, a nursing home, or an assisted living facility. Their expertise extends to assisting clients diagnosed with various conditions, including Parkinson’s disease, cancer, dementia, Alzheimer’s, cardiac disease, and more. Their dedication lies in preserving the quality of life through providing essential care and unwavering support. This community operates under the vigilant supervision of a Registered Nurse, ensuring the highest standards of care.

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How to get Medicare and Medicad to Pay for Assisted Living

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Claim What’s Yours: Financial Aid for Massachusetts Seniors

Program
State Program Name
Eligibility
Benefits
Home Care Program
MassHealth Home Care
  • General: Age 60+, Massachusetts resident, at risk of nursing home placement.
  • Income Limits (2025): ~$1,500/month (individual, varies by region).
  • Asset Limits: $2,000 (individual, excludes home, car).
  • MA Specifics: Coordinated through Aging Services Access Points (ASAPs); high demand in urban areas.
  • Services: In-home care (3-5 hours/day), homemaker services, respite care (up to 14 days/year), adult day care (~$75/day).
Frail Elder Waiver
Massachusetts Medicaid FE Waiver
  • General: Age 65+, Massachusetts resident, Medicaid-eligible, nursing home-level care need.
  • Income Limits (2025): ~$2,829/month (300% FBR, individual).
  • Asset Limits: $2,000 (individual), $3,000 (couple).
  • MA Specifics: Requires clinical eligibility determination.
  • Services: Personal care (5-7 hours/day), respite care (240 hours/year), adult day care (~$75/day), home health services.
Senior Care Options (SCO)
Massachusetts Senior Care Options
  • General: Age 65+, Massachusetts resident, eligible for MassHealth (Medicare optional), nursing home-level care need.
  • Income Limits (2025): ~$2,829/month (300% FBR, individual); QIT allowed.
  • Asset Limits: $2,000 (individual), $3,000 (couple) (excludes home up to $713,000, car).
  • MA Specifics: Not available in Dukes/Nantucket Counties; multiple SCO providers (e.g., CCA, Tufts).
  • Services: Personal care (5-7 hours/day), medical care, respite (240 hours/year), adult
Medicare Savings Program (MSP)
Massachusetts Medicare Savings Program (MassHealth Buy-In)
  • General: Age 65+ or disabled, Massachusetts resident, Medicare Part A/B.
  • Income Limits (2025): ~$2,510/month (QMB), ~$3,380/month (SLMB), ~$3,598/month (QI)—individual.
  • Asset Limits: $9,430 (individual), $14,130 (couple).
  • MA Specifics: Three tiers; no waitlist; includes Extra Help for Part D.
  • Services: Covers Part B premiums ($174.70/month), deductibles ($240/year), copays (~20%).
National Family Caregiver Support Program (NFCSP) Respite
Massachusetts NFCSP Respite Care
  • General: Caregivers of 60+ needing care or 55+ caregivers of others; Massachusetts resident; functional needs (2+ ADLs).
  • Income Limits (2025): Prioritizes ~$24,980/year (individual); no strict cap.
  • Asset Limits: Not assessed; need-based.
  • MA Specifics: 27 ASAPs; prioritizes low-income, rural caregivers.
  • Services: Respite (4-6 hours/week or 5 days/year), adult day care ($60/day), caregiver training, supplies (~$500/year).
Prescription Advantage
Massachusetts Prescription Advantage
  • General: Age 65+ or disabled, Massachusetts resident, enrolled in Medicare Part D (or ineligible for Medicare).
  • Income Limits (2025): No strict limit; copays vary by income (~$24,980-$75,000/year individual).
  • Asset Limits: Not assessed.
  • MA Specifics: Supplements Medicare Part D; no enrollment fee for low-income.
  • Services: Covers prescription copays ($5-$40/drug), fills coverage gaps, catastrophic cost protection ($4,000+ covered).
Senior Community Service Employment Program (SCSEP)
Massachusetts SCSEP
  • General: Age 55+, unemployed, low-income, Massachusetts resident.
  • Income Limits (2025): ~$1,983/month (125% FPL).
  • Asset Limits: Not specified; income-focused.
  • MA Specifics: Priority for veterans, rural residents; AARP partnership.
  • Services: Paid training (~20 hours/week at ~$15/hour), job placement.
VA Aid and Attendance (A&A) and Housebound Benefits
Massachusetts VA Aid and Attendance/Housebound
  • General: Age 65+ or disabled veteran/spouse, Massachusetts resident, wartime service, need for ADL help (A&A) or homebound.
  • Income Limits (2025): Net income < ~$1,984/month (veteran with dependent, A&A); pension offsets income.
  • Asset Limits: ~$155,356 (net worth limit).
  • MA Specifics: High veteran demand statewide.
  • Services: Cash (~$1,433-$2,642/month veteran, ~$951-$1,318 spouse) for care costs (e.g., in-home, assisted living).

Claim What’s Yours Financial Aid for Massachusetts Seniors

MassHealth Home Care

Home Care Program

Eligibility
  • General: Age 60+, Massachusetts resident, at risk of nursing home placement.
  • Income Limits (2025): ~$1,500/month (individual, varies by region).
  • Asset Limits: $2,000 (individual, excludes home, car).
  • MA Specifics: Coordinated through Aging Services Access Points (ASAPs); high demand in urban areas.
Benefits
  • Services: In-home care (3-5 hours/day), homemaker services, respite care (up to 14 days/year), adult day care (~$75/day).
Massachusetts Medicaid FE Waiver

Frail Elder Waiver

Eligibility
  • General: Age 65+, Massachusetts resident, Medicaid-eligible, nursing home-level care need.
  • Income Limits (2025): ~$2,829/month (300% FBR, individual).
  • Asset Limits: $2,000 (individual), $3,000 (couple).
  • MA Specifics: Requires clinical eligibility determination.
Benefits
  • Services: Personal care (5-7 hours/day), respite care (240 hours/year), adult day care (~$75/day), home health services.
Massachusetts Senior Care Options

Senior Care Options (SCO)

Eligibility
  • General: Age 65+, Massachusetts resident, eligible for MassHealth (Medicare optional), nursing home-level care need.
  • Income Limits (2025): ~$2,829/month (300% FBR, individual); QIT allowed.
  • Asset Limits: $2,000 (individual), $3,000 (couple) (excludes home up to $713,000, car).
  • MA Specifics: Not available in Dukes/Nantucket Counties; multiple SCO providers (e.g., CCA, Tufts).
Benefits
  • Services: Personal care (5-7 hours/day), medical care, respite (240 hours/year), adult
Massachusetts Medicare Savings Program (MassHealth Buy-In)

Medicare Savings Program (MSP)

Eligibility
  • General: Age 65+ or disabled, Massachusetts resident, Medicare Part A/B.
  • Income Limits (2025): ~$2,510/month (QMB), ~$3,380/month (SLMB), ~$3,598/month (QI)—individual.
  • Asset Limits: $9,430 (individual), $14,130 (couple).
  • MA Specifics: Three tiers; no waitlist; includes Extra Help for Part D.
Benefits
  • Services: Covers Part B premiums ($174.70/month), deductibles ($240/year), copays (~20%).
Massachusetts NFCSP Respite Care

National Family Caregiver Support Program (NFCSP) Respite

Eligibility
  • General: Caregivers of 60+ needing care or 55+ caregivers of others; Massachusetts resident; functional needs (2+ ADLs).
  • Income Limits (2025): Prioritizes ~$24,980/year (individual); no strict cap.
  • Asset Limits: Not assessed; need-based.
  • MA Specifics: 27 ASAPs; prioritizes low-income, rural caregivers.
Benefits
  • Services: Respite (4-6 hours/week or 5 days/year), adult day care ($60/day), caregiver training, supplies (~$500/year).
Massachusetts Prescription Advantage

Prescription Advantage

Eligibility
  • General: Age 65+ or disabled, Massachusetts resident, enrolled in Medicare Part D (or ineligible for Medicare).
  • Income Limits (2025): No strict limit; copays vary by income (~$24,980-$75,000/year individual).
  • Asset Limits: Not assessed.
  • MA Specifics: Supplements Medicare Part D; no enrollment fee for low-income.
Benefits
  • Services: Covers prescription copays ($5-$40/drug), fills coverage gaps, catastrophic cost protection ($4,000+ covered).
Massachusetts SCSEP

Senior Community Service Employment Program (SCSEP)

Eligibility
  • General: Age 55+, unemployed, low-income, Massachusetts resident.
  • Income Limits (2025): ~$1,983/month (125% FPL).
  • Asset Limits: Not specified; income-focused.
  • MA Specifics: Priority for veterans, rural residents; AARP partnership.
Benefits
  • Services: Paid training (~20 hours/week at ~$15/hour), job placement.
Massachusetts VA Aid and Attendance/Housebound

VA Aid and Attendance (A&A) and Housebound Benefits

Eligibility
  • General: Age 65+ or disabled veteran/spouse, Massachusetts resident, wartime service, need for ADL help (A&A) or homebound.
  • Income Limits (2025): Net income < ~$1,984/month (veteran with dependent, A&A); pension offsets income.
  • Asset Limits: ~$155,356 (net worth limit).
  • MA Specifics: High veteran demand statewide.
Benefits
  • Services: Cash (~$1,433-$2,642/month veteran, ~$951-$1,318 spouse) for care costs (e.g., in-home, assisted living).
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