The money and coverage stuff, in plain English
MassHealth phone trees, respite funding, special needs trusts, ABLE accounts. The unglamorous paperwork that decides what your family actually gets, explained by a Massachusetts parent who has made these calls herself.
Every guide in one place
Questions parents ask us most
Can my child get MassHealth even if we have private insurance?
Often, yes. Many Massachusetts children with disabilities qualify for MassHealth as secondary coverage, which can pick up copays, deductibles, and services private insurance will not cover. Our MassHealth guide explains the common pathways and the phone scripts to use.
What is respite care and how do I pay for it?
Respite is short-term care that gives you a real break. In Massachusetts, funding can come through DDS, MassHealth, and local programs. Our respite directory lists providers and explains the funding options.
What is the difference between a special needs trust and an ABLE account?
Both protect money for your child's future without risking benefits like SSI and MassHealth, but they work differently. Our Financial & Legal Roadmap explains both in plain English, including Massachusetts ABLE rules.
Disclaimer: This content is for informational purposes only and is not professional medical, legal, or educational advice. Always consult qualified professionals for your child's specific needs. Full disclaimer →