Medicare and Medi-Cal Planning
Medicare is a health-care benefit provided by the federal government to individuals over age 65, or under age 65 and disabled. Medicare covers doctor visits, tests and care provided in a hospital and limited benefits in a nursing home (see below).
Medi-Cal is health insurance for people with limited income and assets. To qualify, your income and asset must not exceed certain limits. If your income or assets exceed the qualifying limits, you will not be eligible. There is no age restriction to qualify.
To qualify for Medicare, you must be over 65, and eligible for Social Security benefits. You may also qualify if you are under age 65 and disabled for two years. An application at the Social Security office will get your benefits started.
To qualify for Medi-Cal, you must submit a multiple-page application and provide detailed proof of all your financial transactions (banking, CD’s, stocks, bonds, income, expenses, annuities, etc.) for the previous 30 months. However, Medi-Cal laws are changing in California and the 30 month period will likely be increased to 60 months in the near future.
Nursing Home Costs
Medicare will only pay for 20 days in a nursing home (in limited circumstances, it can pay partial cost of 80 additional days) while Medi-Cal will pay the entire cost of a nursing home.
The laws around Medi-Cal qualification are extensive, and there are many exceptions. Often, hospitals and nursing homes will offer to do this for you at no cost. Be careful, they do not represent you, but rather, the institution for which they work. Even with the best intentions, they often do not have the legal knowledge necessary to determine whether or not your qualification is accurate. This is where a legal professional can really be of value and often times, be able to get you benefits much sooner.
Don’t try to go through the qualification alone, contact the Law Office of Andrea M. Gherini to help you sort through Medi-Cal and Medicare issues. Contact us today at (760) 754-2381.