Alyssa Lane
MassHealth is a health insurance program for Massachusetts residents, including seniors and people in need of long-term care. If you have private insurance, it is considered the primary insurer, and MassHealth acts as secondary coverage. To apply for MassHealth, you must complete an application and provide certain documents, such as Social Security numbers and income information. Applications can be submitted online, by mail, or in person at a MassHealth Enrollment Center. Massachusetts Health Connector Walk-In Centers also provide free assistance with applications and choosing a plan.
| Characteristics | Values |
|---|---|
| Who can apply? | Residents of Massachusetts, including seniors and people of any age who need long-term care services. |
| What is required to apply? | Social Security numbers for every household member who is applying, employer and income information for all household members, and information about any current or accessible health insurance plans. |
| How to apply | Online at www.MAhealthconnector.org, by phone at (800) 841-2900, or in-person at a MassHealth Enrollment Center or Massachusetts Health Connector Walk-In Center. |
| Additional Information | MassHealth can be used as secondary insurance if you have private health insurance, which is considered the primary insurer. |
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What You'll Learn
Eligibility requirements
To apply for MassHealth secondary insurance, you must meet the following eligibility requirements:
Firstly, you must be a resident of Massachusetts. This includes those who live in the state with or without a fixed address, as well as those who have entered the state with a job commitment or seeking employment.
Secondly, MassHealth offers different types of coverage depending on your situation. You may be eligible if you are:
- A parent living with your children younger than 19 years old.
- An adult caretaker relative (related by blood, adoption, or marriage) living with children under 19 when neither parent is in the home.
- A spouse or former spouse of one of those relatives and you are the primary caretaker of these children when neither biological parent is living in the home.
Additionally, MassHealth provides coverage for seniors aged 65 and older, as well as people of any age who require long-term care services.
If you have private insurance, it will be considered the primary insurer, and MassHealth will serve as secondary coverage. You can have both types of insurance simultaneously. In some cases, MassHealth may require you to enroll in health insurance offered through your job if it is deemed cost-effective.
To determine your eligibility, you must complete and submit an application. You can apply for MassHealth coverage at www.MAhealthconnector.org.
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Documents needed
To apply for MassHealth secondary insurance, you must be a resident of Massachusetts and meet certain eligibility criteria. To apply, you may need to provide the following documents:
- Social Security numbers for every household member who is applying.
- Employer and income information for all household members (e.g., pay stubs or wage statements).
- Information about any job-related or other health insurance that you are currently enrolled in or have access to. This includes private health insurance, which may be known as "commercial health insurance" or "employer-sponsored insurance (ESI)." If you have private insurance, it will be considered the primary insurer, and MassHealth will be the secondary coverage.
- If you are an adult relative applying for a child, you may need to provide information on your relationship to the child and why the child's parents are not living in the home.
- If you are pregnant or under 21, you may need to provide documentation to verify this, as individuals in these categories may have different requirements for maintaining MassHealth benefits.
- If you are 65 or older or need long-term care, you may need to provide additional documentation or apply for different programs.
- If you are not a U.S. citizen, you may need to provide documentation verifying your immigration status.
- If you have a disability, free aids and services are available to help you communicate effectively with MassHealth, such as large print, Sign Language Interpretation, and Braille.
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Enrollment assistance
If you need help with your application, you can get assistance from an enrollment assister. Enrollment assisters are organizations or individuals outside of MassHealth trained to help people apply for benefits and enroll in a plan. You can find an enrollment assister in your area, but note that they have limited walk-in appointments. You can also use MassHealth's appointment scheduler to get help from a MassHealth Customer Service Representative.
You can also visit one of the Massachusetts Health Connector Walk-In Centers for in-person help. The Massachusetts Health Connector has trained and certified individuals to help you apply for coverage, shop for plans, answer your questions about your eligibility, payments, plan details, and health care reform rules and requirements. Help is free for people of any income level. However, Massachusetts Health Connector Walk-in Centers cannot process applications for people 65 or older, or for people who need long-term care.
If you need help creating your online account, you can call the MassHealth Customer Service Center. They can also help you enroll in a health plan. The fastest way to enroll in a health plan is online. You can also fill out a MassHealth Health Plan Enrollment Form and fax it to (617) 988-8903.
To apply, you may need to provide the following information and documents:
- Social Security numbers for every household member who is applying
- Employer and income information for everyone in your household (e.g. from paystubs or wage statements)
- Information about any job-related or other health insurance that you are currently enrolled in or have access to
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Application submission
To apply for MassHealth secondary insurance, you must be a resident of Massachusetts. If you are eligible, you can apply for MassHealth coverage for seniors and people of any age who need long-term care services.
- You can apply for MassHealth online at www.MAhealthconnector.org.
- You can also submit your application in person at the MassHealth Enrollment Center Central Processing Unit: P.O. Box 290794 Charlestown, MA 02129-0214.
- You can print the application form, complete it by hand, and mail or fax it to MassHealth. You will need to collect the necessary documents, such as income, assets, citizenship, or immigration information.
- If you are a senior or require long-term care, you can print and complete the Application for Health Coverage for Seniors and People Needing Long-Term-Care Services. You can fax this form to (617) 887-8799.
- If you are not a senior or in need of long-term care, you can complete the Massachusetts Application for Health and Dental Coverage and Help Paying Costs.
- If you are a U.S. citizen, a resident of Massachusetts, and 18 years old on or before election day, you can register to vote. You can print out the voter registration form and bring or mail it to your town or city hall.
- If you need assistance with your application, you can visit a Massachusetts Health Connector Walk-In Center or a MassHealth Enrollment Center. These centers have trained individuals who can help you apply for coverage, shop for plans, and answer any questions about eligibility.
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Plan selection
To apply for MassHealth secondary insurance, you must first be a resident of Massachusetts. If you are eligible for MassHealth, you can then apply for secondary insurance.
To select a plan, you must first be a MassHealth member. If you are not already a member, you must apply for MassHealth coverage first. You can apply for MassHealth at www.MAhealthconnector.org. Once you are a member, you can then select a plan.
You can compare plans at MassHealthChoices.com. Here, you can learn about the different health plans, get answers to your questions, and get help choosing health plans and providers. You can also call the MassHealth Customer Service Center at (800) 841-2900 or TDD/TTY at 711. Self-service is available 24 hours a day in English and Spanish, and interpreter services are available.
You can also visit a Massachusetts Health Connector Walk-In Center for help in person. The Massachusetts Health Connector has trained and certified individuals to help you apply for coverage, shop for plans, answer your questions about eligibility, payments, plan details, and health care reform rules and requirements. Help is free for people of any income level.
If you have private insurance, it will be billed as the primary insurer, and MassHealth will be the secondary coverage. You can maintain any private health insurance that is available to you at no cost. MassHealth will reimburse you for any costs in addition to those you had with MassHealth only. MassHealth will also pay for MassHealth-covered services if your private health insurance doesn't, including out-of-pocket costs like copays or deductibles.
If you are a senior or a person of any age in need of long-term care services, you can apply for MassHealth coverage by printing and completing the Application for Health Coverage for Seniors and People Needing Long-Term-Care Services. You can also call the MassHealth Customer Service Center at (800) 841-2900 or TDD/TTY at 711 for assistance.
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Frequently asked questions
You can apply for MassHealth secondary insurance by filling out the Massachusetts Application for Health and Dental Coverage and Help Paying Costs form. You can apply online at www.MAhealthconnector.org, or print the form, fill it out by hand, and mail or fax it to MassHealth.
You may need to provide the Social Security numbers of every household member who is applying, employer and income information for everyone in your household, and information about any job-related or other health insurance that you are currently enrolled in or have access to.
To be eligible for MassHealth secondary insurance, you must be a resident of Massachusetts and either intend to reside in the state, with or without a fixed address, or have entered the state with a job commitment or seeking employment. You must also be a MassHealth member to enroll in a health plan.
