Homewatch CareGivers of Springfield, MA

Article: How to get Medicare and Medicaid to Pay for Assisted Living

Description

Situated in the heart of Springfield, Massachusetts, Homewatch CareGivers is committed to ensuring their caregivers have unparalleled access to top-tier support, training, and education. They offer a wide range of services, including companionship, post-surgical support, or round-the-clock elder care.

Homewatch CareGivers believes in the power of compassionate care to enhance the quality of life for seniors and their families, promoting well-being and independence. Their unwavering commitment to making a positive impact on seniors sets them apart. This dedication empowers their caregivers to approach each day with unwavering passion and a clear sense of purpose.

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.