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2025-05-28

Massachusetts Medicaid Plans List: A Guide to MassHealth

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Team Member
Abby Care
The Massachusetts Medicaid plans list includes various MassHealth options. Learn about coverage, eligibility, and how to apply for the right plan.

The Massachusetts Medicaid plans list is made up of several health programs designed to give residents essential health services. These programs are especially helpful when you’re trying to find affordable coverage. 

Medicaid health plans in Massachusetts combine Medicaid and the Children’s Health Insurance Program (CHIP) to meet the needs of people of all ages who qualify. In this guide, we’ll cover the various types of plans available, what they include, and how to enroll.

What Is MassHealth?

MassHealth is the Massachusetts Medicaid program. The program provides complete health coverage to individuals and families who qualify. This allows those who need it most to get the medical care they need without worrying about the cost.

Why Is MassHealth Important?

The federal government brings significant funding to Massachusetts through MassHealth. This funding allows families and individuals with low incomes to get the healthcare they need. Because MassHealth provides access to quality healthcare, it helps people manage ongoing health issues and get preventive care so they can stay healthy.

In addition to those who benefit directly from the program, MassHealth contributes to the overall health and well-being of residents.

Types of Medicaid Plans in Massachusetts

Massachusetts has different Medicaid plans to help people with different needs. When you apply for MassHealth and are approved, the program typically assigns you to a plan that fits your needs. However, you also have the option to choose a different plan if you prefer. These plans include:

Managed Care Organizations (MCOs)

MCOs work with a network of healthcare providers to offer various services. They manage care in two important ways: they ensure that patients get the necessary treatments and control the costs of services. To do this effectively, MCOs negotiate rates with care providers and use utilization management to ensure that each patient gets the necessary and affordable healthcare services.

WellSense Essential MCO and Tufts Health Together are examples of MCOs that offer Medicaid health plans in Massachusetts.

Accountable Care Organizations (ACOs)

ACOs are groups of healthcare providers who work together to provide better care to MassHealth members. Their primary focus is improving health outcomes, reducing unnecessary costs, and coordinating care. Fallon Health, Tufts Health Together, and WellSense are a few MCOs that work with several ACOs to offer these services.

Primary Care Clinician (PCC) Plans

PCC plans offer primary care and other medical services for MassHealth members. This plan is usually for those who have not enrolled in an MCO or ACO. PCC plans let you choose a primary care clinician from the MassHealth list or have one assigned to you. You can also change your PCC at any time or switch your Medicaid plan from the PCC plan to an MCO or ACO whenever you choose.

Which Massachusetts Medicaid (MassHealth) Plan Is Right for You?

MassHealth has various plans designed to fit different needs. Here’s a quick look at them so you can pick one that suits your needs:

  • Standard Plan: This is the most comprehensive plan. It covers many healthcare costs, including doctor visits, hospital care, prescriptions, and mental health services. Most people who apply for MassHealth get this plan.
  • CommonHealth Program: This plan is for people with disabilities who don’t qualify for the Standard plan because of their income. It offers similar benefits, but you might have to pay a small monthly fee.
  • Family Assistance Program: This option is for non-permanent U.S. citizens. It covers some healthcare costs, such as doctor visits, prescriptions, and hospital stays.
  • Limited Program: This plan is for non-permanent U.S. citizens who are 65 or older. It also serves people who can’t get more comprehensive services because of their immigration status. The plan covers emergency services only.
  • Senior Buy-In and Buy-In Programs: These plans help seniors and individuals with disabilities who qualify to pay for Medicare premiums. The Senior Buy-In helps pay for Medicare Part A and Part B costs, including monthly fees, deductibles, and copays. The Buy-In program covers Part B monthly fees. Both programs also help with prescription drug costs through Medicare Part D Extra Help.

Who Can Get MassHealth?

MassHealth looks at your income, family size, and citizenship status to decide whether you qualify. Here’s a quick overview of the common eligibility criteria:

  • Children: Kids under 1 year old can qualify if their family’s income is up to 205% of the federal poverty level (FPL). For children ages 1 to 18, the limit is 155% of FPL.
  • Pregnant Women: Pregnant women can get MassHealth if their income is up to 205% of FPL. Coverage usually lasts for 12 months after pregnancy.
  • Parents and Other Adults: Parents and other adults can qualify for MassHealth if their income is up to 138% of FPL.

How to Apply for Massachusetts Medicaid

Here’s how to enroll in a program from the Massachusetts Medicaid plans list:

  • Online at the MassHealth website
  • By phone at 1-800-841-2900
  • In person at a MassHealth Enrollment Center

To learn more, read our guide on How to Get Medicaid in Massachusetts.

What Happens After You Apply?

After you apply using a method you prefer, MassHealth will review your application to see if you qualify. If you are approved, the program will assign a plan that fits your situation. However, you can switch plans if you want a different one.

Conclusion

The various Massachusetts Medicaid plans help residents get affordable healthcare. In this guide, we covered the different plans and services available so you can make informed decisions about the type of healthcare you and your family may need.

MassHealth goes beyond healthcare. It creates a way for families and individuals (especially those with low income) to get better healthcare and financial stability. If you’re eligible, don’t hesitate to explore these options. And if you need assistance choosing a Medicaid plan, Abby Care is here to help. Get in touch with us today, and together, let’s figure out the next steps toward a healthier, happier you.

Sources

https://www.mass.gov/info-details/full-list-of-masshealth-acos-and-mcos

https://www.mass.gov/topics/masshealth-health-plans

https://www.uhc.com/communityplan/massachusetts

https://www.masslegalservices.org/system/files/library/MassHealth%20Health%20Plan%20Options%203.2023.final_.pdf

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