Medi-Cal  for Long-Term Care was designed to help those who are in need  of  skilled  nursing  care  from becoming  impoverished.  An individual  who is age 65 or older, blind, or disabled  will be eligible for Medi-Cal (Medicaid) in a skilled nursing facility or  intermediate care facility  if  he or she meets  the Asset and  Income Limitations as described on the following pages.  There is no limit as to how much money can be placed  in  Exempt Assets .  (See "Asset Limitations" section listed on the menu.)

Medi-Cal Specialist for Nursing Home Care

Many people have worked their whole lives saving and preparing for retirement.  They aren’t rich,  but have accumulated a nice little nest egg hoping  to  provide security  for both themselves

and  their spouse.  One  of  their  most  heart-felt concerns  is  never  to  be  a  burden  on  anyone;  not to their spouse, family, or friends. . . Then the unthinkable happens, a disabling health problem.

Without  help,  adding  the extra cost associ-ated with caring for such a disabling illness is far beyond  the  income  stream  of  most  retirees.  As a result, income producing assets needed for paying  bills  are  depleted.   Before long  neither income nor assets are left, leaving the remaining spouse or recovering patient destitute.

It is hard enough dealing with one’s emotions because  of  long-term  health  problems,  but  to compound  it  with  financial  worries  makes  the situation doubly cruel.  Qualifying for Medi-Cal for Nursing Home Care can help preserve those needed assets and income.

What is Medi-Cal?

Who can qualify?

What does Medi-Cal cover?

Skilled nursing facilities

Hospital bills

Doctor bills

Medi-Cal is California’s version of the Medicaid Program and is funded jointly  by the state and federal governments.  Although Medi-Cal recipients often receive Medicare, the Medi-Cal  program is not  the same as Medicare  insurance  benefits.  Medi-Cal provides financial assistance in meeting the expenses related to:

The Well Spouse (W.S.) is considered the “at home” spouse.

The Institutionalized Spouse (I.S.) is considered the “nursing home” resident, whether married or single.

Definition of Terms:

The C.S.R.A. is the Community Spouse Resource Allowance or the amount of assets the well spouse is allowed in his/her name and still qualify their spouse for Medi-Cal.

A Resource  is  an available asset  (cash, checking accounts, savings accounts, C.D.’s, stocks, bonds, mutual funds,  money markets,  notes,  real estate, etc.)    In other words, a resource is an asset that you have access to.

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Serving Seniors

throughout California

1-866-450-0510

R. Chris Packard