Mass-Health Frail Elder Home and Community-Based Services Waiver (HCBS)

What is a Medicaid Waiver?
For persons with limited financial resources, Medicaid pays for nursing home care. For those who wish to live at home or in assisted living, sometimes Medicaid will pay for care in those locations if it can be obtained at a lower cost than in a nursing home. It does this through state-specific "Medicaid Waivers," which are also called Home and Community Based Services (HCBS) Waivers or Waiver Funded Services.

Waiver Description

 This program helps the elderly remain living at home or in the homes of friends or family members.

Massachusetts Medicaid—called MassHealth—operates the Frail Elderly Waiver specifically to help residents who require nursing home level care to receive health care and ongoing support services in their homes or community living residences instead of in a nursing home.

The objective of this program is two-fold. Lawmakers' intention was to provide residents with an option regarding their long-term care. Additionally, by preventing the placement of frail individuals in nursing homes, the state saves significant financial resources as the burden of caring for these individuals is shifted onto family caregivers. Despite this, many families and care recipients still prefer this model as it allows them to age in their homes or the homes of other family members.

There is a version of this program called Community Choices Program that provides more hours of services to those at immediate risk for nursing home placement.


Eligibility Guidelines

Eligibility for this waiver depends on the age, location, functional ability and financial status of the applicants. Candidates must be a minimum of 60 years of age. They must require the level of care provided in nursing homes, yet they should be willing to receive the care at home. The cost to provide that care cannot exceed what it would cost in a nursing home.

To be eligible for the HCBS Waiver, they must be financially qualified for MassHealth Medicaid. The 2017 income limits are $2,205 per month for an individual. If only one spouse is applying, the income for the other spouse is treated separately.

Fortunately, Massachusetts also maintains an alternative method to qualify if you are over the income limit. Individuals who have very high medical expenses qualify through the Medically Needy provisions for MassHealth. Individuals should not have more than $522 in monthly income after medical expense deductions and couples are limited to $650 after subtracting medical expenses.

MassHealth also considers one's countable assets, or savings. The limits for an individual and couple respectively are $2,000 and $3,000. However, as with the income limits, there is flexibility. When only one spouse of a married couple is applying, the asset limit for the other spouse is $120,800. Their home, if owner-occupied, is considered exempt up to a value of approximately $840,000. There are also other exempt assets, such as a vehicle, funeral trusts, and personal valuables.

As with other state Medicaid programs, the applicant's five-year financial history is considered to prevent the applicant from giving away their money to qualify. A professional, who is familiar with state Medicaid rules, can determine the exact limits and the best structures for resources to ensure a qualification, while preserving some of the couple's net worth for the healthier spouse. For example, Medicaid planning advisers or elder law attorneys can assist individuals who have excess assets to use a special type of pooled trust, so that the applicant will become eligible and yet still receive some benefits from the funds in the trust.

Read more about planning services for MassHealth eligibility.


Benefits and Services

It is the goal of this program to help seniors age in place outside of nursing homes and as such the benefits are selected to aid in independent living. Beneficiaries and their caregivers can receive any of the following services:

  • Adult Day Care
  • Home Delivered Meals
  • Homemaker & Chore Services
  • Home Modifications to Improve Accessibility
  • Home Health Aide
  • Personal Care
  • Respite Care for the Primary or Family Caregiver
  • Transportation Assistance for Medical and other Appointments
  • Wander Response System (Reserved for Alzheimer's and Dementia Patients)


How to Apply / Learn More

Applicants can come from any part of the commonwealth of Massachusetts. However, while individuals may meet all the requirements to qualify, they may wait for a period before receiving waiver services.

Massachusetts has both Area Agencies on Aging and Aging Services Access Points that can help interested individuals to learn more and begin the application process. Find your local office here. One can also find assistance by calling the MassHealth enrollment center at 888-665-9993. It is not uncommon to experience long periods on hold.

Limited additional information is available about this program here.


 Other MassHealth programs available that help residents avoid nursing homes are Caregiver Homes, Group Adult Foster Care, Adult Day Health and the PCA Program