In today’s uncertain world, planning for the future is more critical than ever. As we age, the possibility of requiring nursing home care looms, yet the high costs associated with long-term care can be daunting. For many, government assistance through MassHealth (Medicaid in Massachusetts) becomes a necessary lifeline. However, navigating the complexities of MassHealth, including understanding the Patient Paid Amount (PPA), can be overwhelming. That’s where the elder care expertise of Surprenant & Beneski, P.C. becomes invaluable.
With years of experience in estate planning and MassHealth, our highly qualified attorneys are here to guide clients throughout Southeastern Massachusetts through the process with confidence and ease. Contact us now to feel the peace of mind that comes from dealing with consummate professionals.
What is MassHealth?
MassHealth is the Massachusetts Medicaid program, providing healthcare coverage to eligible low- and moderate-income residents. It offers a range of services, including nursing home care, for those who meet specific income and asset criteria.
What is the Patient Paid Amount (PPA) for MassHealth?
An individual on MassHealth in a nursing home is required to pay the home a Patient Paid Amount (PPA) out of their monthly income for their stay. However, the patient is able to subtract a Personal Needs Allowance (PNA), from this amount for their personal care. In 2024, the PNA for MassHealth nursing homes is $72.80 per day. This amount may vary depending on changes in state regulations and the individual’s financial situation.
What Are the Deductions for PPA and How Are They Calculated?
Certain expenses can be deducted from an individual’s income when determining the PPA. These deductions include not only the personal needs allowance, but also health insurance premiums, and certain medical expenses. The remaining income after deductions is what the individual is required to contribute towards their care.
Advice for Managing Your PPA for Your Nursing Home Stay
To effectively manage your PPA, it’s crucial to itemize your sources of income, such as Social Security and pensions. Researching programs like the Medicare Savings Program can also help alleviate financial burdens. Seeking professional advice from our MassHealth attorneys will ensure you fully understand your financial options and make informed decisions about your long-term care.
Services Our MassHealth Attorneys Provide
At Surprenant & Beneski, P.C., our attorneys offer comprehensive services to assist you in navigating MassHealth and planning for your nursing home stay. From analyzing your financial situation to completing the application process, we’re dedicated to helping you secure the care you need while protecting your assets for your loved ones.
Contact Our Diligent, Compassionate Attorneys Today
Planning for MassHealth nursing home care is crucial, ensuring as it does ongoing security for you and your family. Understanding the Patient Paid Amount (PPA) and utilizing deductions can help significantly alleviate the financial burden of long-term care.
The experienced MassHealth attorneys at Surprenant & Beneski, P.C. routinely cope with the complexities of MassHealth smoothly and effectively. Contact us now for the peace of mind that comes from knowing that your future, and the future of your family, is in capable, caring hands.