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Archive for the ‘Medi-Cal Help’ Category

Protecting Your Children’s Inheritance from a Medi-Cal Reimbursement Claim

Friday, June 17th, 2011

Medi-Cal is a government program to pay for essential health care services, particularly nursing-home care, for qualified low-income and disabled persons.  According to California’s Department of Health Care Services (DHCS), over 8.5 million people were enrolled in Medi-Cal for at least one month during the 2008-2009 fiscal year. 

Medi-Cal considers its payments to be a loan, and if no Medi-Cal planning is done, Medi-Cal will seek to recover its payments from any assets that remain after the death of both the ill person and their spouse. (more…)

Save Thousands of Dollars by Planning for Long-Term Nursing Care

Friday, April 1st, 2011

Time magazine recently published an article discussing the number of Americans who have taken steps to plan for their own long-term care needs as they age.  An insurance industry study found that 54% of baby boomers have no plans in place for their long-term care.  The 44% who have a plan are often operating under the mistaken belief that increasing their savings account is sufficient.

The reality is that most people underestimate the cost of long-term care, or assume their family members will be able to handle their needs.  The cost of a nursing home can easily exceed $100,000 per year.  Medicare only covers 100 days of care, while Medicaid only covers care if the person has few assets.  The enormous costs of nursing homes can quickly drain a person and/or their family’s life savings. (more…)

Medi-Cal Planning: Help Cover the Cost of Long-Term Nursing Care

Friday, October 22nd, 2010

When persons over age 65 are no longer able to perform all the tasks of daily living, moving to a care facility may be the best option.  Today, there are several categories of facilities which offer different levels of care depending on the person’s specific needs.  Assisted living facilities are for seniors who need help with daily activities like meal preparation, house-keeping, laundry, and errands.  Nursing home facilities cater to seniors whose medical conditions require supervision or administration of medication.

These facilities ensure that a senior is receiving the proper level of care while maintaining as much of their independence as possible.  However, the cost of many care facilities can run thousands of dollars per month.   Medicare will only pay for 100 days of care in a nursing home after a 3-day hospital stay.  After Medicare runs out, the person will have to pay for their care themselves, or qualify for Medi-Cal.   Medi-Cal is California’s public health insurance program which provides services for low-income people, including seniors.  (more…)

How Medi-Cal Planning Can Help You Cope With the Escalating Costs of Long Term Care

Wednesday, December 9th, 2009

Reuters reports that throughout most of California, the costs of long term care are rising faster than inflation, with the median annual cost for a private nursing home room here in San Diego coming to $86,688 (or about $237.50 a day).  Judging by these numbers, your savings can quickly run out and your assets can soon be depleted when paying for long term care and medical expenses.  You can act to help prevent these possible consequences with Medi-cal planning.  Among other things, the Medi-cal program, with its joint federal and state funding, provides need-based help to persons who are age 65 or older, blind, or disabled, through payment for long term medical care in a skilled nursing home.  Proper planning seeks to qualify applicants for government Medi-cal benefits by adjusting to meet eligibility requirements, while also protecting income and assets as permitted under California law.  (more…)


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