Private Pay Nursing Home Costs: take control of circumstances and protect your life savings.
You have worked a lifetime to provide for yourself and for your family. Without a plan for care, your life savings could be quickly wiped out if admission to a nursing home becomes necessary. Privately paid nursing home rates
are higher than the estimated cost listed by the Office of Medicaid:
Average Massachusetts Nursing home rate estimated
by the Office of Medicaid:
Beginning November 1, 2023 to now: $433 / day
This is the rate that MassHealth uses to calculate the period of ineligibility for payment of nursing facility services when a person has made a disqualifying asset transfer. The cost of nursing home care can be a shock to families that are suddenly confronted with the need to place a loved one in institutional care. Compare the room rates you pay privately with the Medicaid average daily costs of nursing home care listed above. Since Medicaid reimbursement rates are often lower than privately paid rates, the nursing home may have no incentive to transition a private pay patient to Medicaid.
My step - by step planning services will coordinate all of your resources, and protect your assets. If a nursing home admission is needed immediately, I provide objective information on how these resources can work together, and how you can get benefits NOW. Review my Before, During and After an Admission: Nursing Home Comparison Checklist to learn more about the admissions process.
You cannot rely on the nursing home business office to analyze your assets, and find the best solution for payment. It's not their responsibility.
If you are in the midst of a crisis, or you want to plan in advance to avoid a crisis, call 567-5600 for a Discovery Meeting. Get professional planning advice, and understand your options.
Historical Data - Massachusetts Nursing home rates estimated
by the Office of Medicaid:
November 1, 2022: $427 / day
December 1, 2021: $410 per day
November 1,
2020: $391 per day
November 1, 2019: $367.21 per day
November 1, 2018: $366.73 per day
July 1, 2016 - October 31, 2018: $354 per day
October 1, 2014 - June 30, 2016: $310 per day
April 1, 2013 - September, 2014:
$300 per day |
March 31, 2012 - March 31, 2013:
$279 per day |
May 1, 2009 - February 1, 2012:
$274 per day or $8,220/month |
May 1, 2008 - April 30, 2009:
$267 per day or $8,010/month |
March 1, 2007 - April, 2008:
$256 per day or $7,680/month |
Nov. 1, 2006 - March, 2007:
$246 per day or $7,380/month |
Feb.1, 2005 - Nov. 1, 2006:
$232 per day or $7,192/month