Facing the need for long-term care for an aging parent can be overwhelming, especially when considering the financial burden. Fortunately, California’s Medi-Cal program can be a valuable resource to help manage these costs. Here at Elder Care Law California, we understand the complexities of Medi-Cal and are here to guide you through the process.
What is Medi-Cal?
Medi-Cal is California’s Medicaid program that provides health coverage for low-income individuals and families. It covers a wide range of medical services, including nursing home care, assisted living, and home health care.
Does Medi-Cal Cover Long-Term Care?
Yes, Medi-Cal can help pay for long-term care services in various settings, including:
- Skilled Nursing Facilities (SNFs): This is for individuals who need 24/7 medical care and rehabilitation services.
- Nursing Homes: These facilities provide custodial care and assistance with daily living activities.
- In-Home Care Services: Medi-Cal can help cover some in-home care services, depending on your specific needs and eligibility.
- Recent Changes to Medi-Cal in California (As of January 2024)
Increased Income Eligibility: Medi-Cal income limits have been adjusted for 2024. The asset limit test has been eliminated but income test remains and assets and investments are subject to Medi-Cal recovery upon death.
Expanded Community Based Services: California is investing in expanding home and community-based long-term care options as an alternative to nursing homes. A Medi-Cal attorney may be able to help you qualify for Home Care (IHSS) or the Assisted Living Waiver Program.
How Can a Medi-Cal Attorney Help? Navigating the Medi-Cal application process can be complex. An experienced Medi-Cal attorney like those at Elder Care Law California can assist you:
- Determine your eligibility for Medi-Cal based on income and asset limits.
- Complete the Medi-Cal application and completing the necessary paperwork.
- Protect your assets and investments from Medi-Cal recovery upon death
- Reduce your share of cost and lower your monthly out of pocket expense
- Qualify for Home Care or the Assisted Living Waiver Program a Medi-Cal attorney may be able to help you access benefits you would not otherwise qualify for
- Reassign income to a well-spouse through court petition
- Advocating on your behalf if your application is denied
- Important Considerations
Medi-Cal has strict eligibility requirements, and the application process can be time-consuming.
- Planning ahead is crucial. It’s wise to consult with an attorney before needing immediate care to explore options and maximize your chances of qualifying.
- Elder Care Law California can help you understand the potential impact of Medi-Cal on your loved one’s estate.
- Next Steps
If you have questions about Medi-Cal or long-term care planning for your aging parent, contact Elder Care Law California today. We offer a free consultation to discuss your specific situation and explore the best options available to you. Remember, you don’t have to navigate this challenging process alone.
Disclaimer: This blog post is intended for informational purposes only and does not constitute legal advice. Please consult with an attorney for personalized guidance regarding your specific situation.