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Planning for Long-Term Care and MassHealth-Part 1

Updated: Nov 27, 2023

It’s estimated that 70% of people over the age of 65 will require some type of long-term care

services during their lifetime, according to the Administration for Community Living. That could

mean needing assistance with at least a couple of activities of daily living and possibly even a

higher level of care. Women who need long-term care stay in the facilities for an average of 3.7

years, while men stay for an average of 2.2 years.

In the Boston area, nursing home costs average around $14,000 per month. The cost for home

health care averages $28 per hour. While the costs of care continue to rise, many families try to

figure out how to pay for these services.

Medicare, federal health insurance for people 65 or older, doesn’t cover the cost of long-term

care. When skilled nursing care like assistance with bathing or showering, dressing, getting in

and out of bed or a chair, walking, using the toilet, and eating is needed, you’ll be required to

privately pay for your care. For most of us, paying for long-term nursing care or at-home full-

time care would be more than we could financially cover.

Contributor-Heritage Law Center-

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