Massachusetts · 2026 Official Figures

Will MassHealth pay?

Five questions. Two minutes. No sign-up. Find out exactly where you stand on long-term care coverage.

$14,500Avg. MA nursing home / month
$2,000MassHealth asset limit
5 yearsLook-back on gifts
Use the calculator to check eligibility →
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YOUR PROGRESS
1
Who needs long-term care?
2
Countable savings & investments
Include: Bank accounts & CDs
Bank accounts & CDsChecking, savings, money market, and certificates of deposit in both spouses’ names.
, IRAs
IRA (Individual Retirement Account)Traditional, Roth, SEP, and SIMPLE IRAs all count. Use the current balance.
, 401(k)s
401(k), 403(b), pension fundsEmployer-sponsored retirement accounts. Include the current balance.
, annuities
AnnuitiesA contract with an insurance company. Include the current value here and mention it to your specialist.
, cash-value life insurance
Cash-value life insuranceWhole life or universal life policies. Term life does NOT count. Use the “cash surrender value.”
, second properties
Second propertiesAny real estate other than the primary home. Use estimated market value minus any mortgage.
.
Leave out: primary home, one car, furniture, prepaid funeral.
$
Please enter a dollar amount, or 0.
3
Monthly income — person needing care
Before deductions. Include: Social Security
Social SecurityUse the gross monthly amount before Medicare premiums are deducted.
, pension payments
Pension paymentsMonthly payments from a defined-benefit pension. Use gross before deductions.
, annuity payments
Annuity paymentsRegular monthly payments from an annuity contract that is already paying out.
, IRA withdrawals
IRA & 401(k) withdrawalsRegular monthly distributions. Use the average monthly amount if irregular.
, rental income
Rental incomeNet rental income after mortgage, taxes, and maintenance costs.
.
$
Please enter a dollar amount, or 0.
4
Does the person own their home?
5
Any money or property given away in the last 5 years?
MassHealth reviews a 5-year look-back
The 5-year look-backWhen you apply, MassHealth reviews every financial transaction in the 60 months before the application date. Gifts and transfers can trigger a penalty period.
. Includes gifts to children and adding someone to a deed
Adding someone to a deedIf you added a child or relative to the title of your home in the last 5 years, MassHealth treats the transferred share as a gift.
.

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Partner with us
Reach Massachusetts families at the moment they need you most
Every family who uses this calculator is actively navigating a long-term care decision. We connect them with trusted Massachusetts service providers statewide — apply to receive warm, qualified referrals directly to your inbox.
🎯
Pre-qualified leadsFamilies who already know their asset number, spend-down amount, and situation — before they call you.
📍
Statewide Massachusetts reachFamilies across all of Massachusetts navigating long-term care decisions every day.
🤝
Simple fee structurePer-lead or per-signed-client arrangements. No monthly subscription, no setup fee.
📊
Monthly referral reportsFull visibility into every referral sent, every form submitted, and every outcome tracked.

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Tell us about your organization and which families you serve. We review every application and follow up within two business days.

Please fill in your name, organization, and at least one way to reach you.
Use the calculator to check eligibility →
Scan to open WillMassHealthPay.com
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Privacy Policy
No health data collected

Who we are

WillMassHealthPay.com is an independent Massachusetts long-term care eligibility tool operated by Ike’s Wells, LLC. Not affiliated with MassHealth or the Commonwealth of Massachusetts.

What information we collect

Calculator inputs are processed entirely within your browser and never transmitted to our servers. Contact form submissions collect your name, phone, email, town, and any notes you provide.

What we do not collect

  • Medical records, diagnoses, or health conditions
  • Social Security numbers or government ID numbers
  • Payment or credit card information

HIPAA notice

This website is not a covered entity under HIPAA. We collect financial information only — not medical or health information.

How we use your information

Contact form submissions are used solely to connect you with the Massachusetts service provider you selected. We do not sell, rent, or trade your personal information to any third party.

Contact

Questions: privacy@willmasshealthpay.com

Last updated: September 2026 · Ike’s Wells, LLC · willmasshealthpay.com