How to apply for MassHealth Standard for Seniors 65+

Who it's for

MassHealth Standard gives Massachusetts residents 65 and older complete health coverage — doctors, hospitals, prescriptions, and long-term-care services. For 2026, monthly income must be at or below 100% of the federal poverty level ($1,330 for one person, $1,804 for a couple, effective March 1, 2026) with countable assets of $2,000 or less ($3,000 for a couple). Seniors over the income limit may still qualify through a six-month spend-down or long-term-care rules. Apply with the SACA-2 application — it screens for every senior coverage type, including the Medicare Savings Programs. Call 1-800-841-2900 for help.

What you'll need

• SACA-2 application
• Social Security number
• Proof of income and assets
• Proof of current health insurance
• Proof of citizenship or immigration status

Where to apply

What to say when you call

“Hello, I'm calling to ask about MassHealth Standard for Seniors 65+. I'd like to know whether I may qualify, what documents I need, and whether I can apply online, by mail, by phone, or in person. I understand I may need saca-2 application, social security number, proof of income and assets — is anything else required? What is the best next step?”

Tip: have a pen ready, ask for the person's name, and write down any case or reference number they give you.

Step by step

1. Gather your required documents: your Social Security number, proof of income and assets, proof of current health insurance, and proof of citizenship or immigration status.
2. Get the SACA-2 application — this single form screens you for every senior MassHealth coverage type, including Medicare Savings Programs.
3. Choose how to apply: submit the SACA-2 online or call MassHealth at 1-800-841-2900 to apply by phone or get help with your application.
4. If your income is above the limit, ask MassHealth about the six-month spend-down option or long-term-care rules — you may still qualify.
5. After submitting, watch your mail for any requests for additional information and respond promptly to avoid delays.

What to expect: After you submit your SACA-2 application, MassHealth will review your documents and determine which senior coverage types you qualify for. Processing times vary, so contact MassHealth at 1-800-841-2900 if you have questions about the status of your application. If approved, coverage includes doctors, hospitals, prescriptions, and long-term-care services. MassHealth Standard renews annually, so watch for a renewal notice each year and return any required paperwork on time to keep your coverage active.

Renewals

annual