How to Get Health Insurance in Massachusetts
Welcome to the Brookfield Board of Health's guide on how to get health insurance in Massachusetts. Health insurance is crucial for accessing healthcare services and protecting yourself from high medical costs. Here are the steps to obtaining health insurance in the state:
1. Understand Your Options
Massachusetts offers several health insurance options, including:
MassHealth: The state's Medicaid program provides free or low-cost health insurance to eligible residents, including low-income individuals, families, pregnant women, and people with disabilities. Learn more about MassHealth. https://www.mass.gov/orgs/masshealth
Massachusetts Health Connector: The state's health insurance marketplace where individuals, families, and small businesses can compare and enroll in health insurance plans. You may also qualify for subsidies to help lower your premiums. Visit the Health Connector website. https://www.mahealthconnector.org/
Employer-Sponsored Insurance: If you're employed, check with your employer to see if they offer health insurance benefits.
Medicare: For residents aged 65 and older, or those with certain disabilities, Medicare is a federal health insurance program. Learn more about Medicare in Massachusetts.
2. Determine Your Eligibility
Each insurance option has its own eligibility criteria. For example, MassHealth eligibility depends on income, household size, and other factors. Use the MassHealth Eligibility Review Tool to see if you qualify.
3. Apply for Coverage
MassHealth: You can apply online, by mail, or in person. Apply for MassHealth.
Massachusetts Health Connector: You can compare plans and apply online during the open enrollment period or if you have a qualifying life event. Apply through the Health Connector.
Employer-Sponsored Insurance: Contact your employer's human resources department for enrollment information.
Medicare: You can apply online through the Social Security Administration or contact your local Social Security office.
4. Choose a Plan
Consider your healthcare needs, budget, and preferred providers when choosing a plan. Make sure to review the plan's coverage, premiums, deductibles, copayments, and network of doctors and hospitals.
5. Enroll and Pay Premiums
Once you've chosen a plan, complete the enrollment process and pay any required premiums to start your coverage.
6. Use Your Coverage
Make the most of your health insurance by scheduling regular check-ups, using in-network providers, and understanding your benefits.
For personalized assistance, you can contact the Massachusetts Health Connector Customer Service at 1-877-MA-ENROLL (1-877-623-6765) or visit a local Navigator organization for free, in-person help.