Medi-Cal is California’s Medicaid health care program. It helps California residents who have limited income or certain disabilities afford their medical care. Older adults are free to go to an approved doctor for any required medical and dental care and not have to worry about the cost of care. Eye exams are allowed every 24 months with Medi-Cal.
With Medi-Cal benefits, chronic health conditions are managed without fear of affordability. Prescriptions and lab services are covered. Long-term and in-home care services are also covered. This can be a huge benefit to families with long-term health issues like Alzheimer’s disease.
What is the maximum income allowed if a person is to qualify for Medi-Cal? The answer is, that it depends.
What Are the Income Limits?
Qualifying for Medi-Cal requires you to meet certain income levels. People’s annual earnings must be at 138% of the poverty level. This puts a single person at $18,755, while two people are at $25,268. This only applies to some people, however. Those people must be 64 or younger.
There are other qualifying factors for Medi-Cal. People who are 65 or older, on Medicare, blind, disabled, or in a skilled nursing or an intermediate care home qualify. So do people in breast or cervical cancer treatment programs or who get SSI/SSP.
Asset Limitations That Apply to Medi-Cal
If you’re under the age of 65 and meet the income requirements, there are no property limits, which can help out. Older adults don’t have that same benefit.
People who are 65 or older have to provide paperwork showing their bank account information, assets, etc. There are limits to the amount of property they’re allowed to hold beyond one car and their primary home.
It used to be that the assets a person could have and qualify for Medi-Cal were limited to $3,000 for a couple or $2,000 for a single older adult. That law is changing in July. Starting in July, it becomes a total of $130,000 for a single adult or $195,000 for a couple. This will change again in 2024 when the goal is to remove asset limits completely.
What If You’ve Been Denied in the Past?
For older adults who’ve applied for Medi-Cal in the past but were denied due to asset levels, Medi-Cal will be sending notices. If you don’t get a letter, you may still qualify. It may have gotten lost in the mail or you might have moved. It’s best to talk to an elder law attorney who specializes in Medi-Cal.
A Medi-Cal attorney helps you understand the rules, determine if you’re qualified, and helps you with the application process. Get a comprehensive list of your assets together and call a Medi-Cal attorney today.
The Law Office of James Dolenga offers SSDI, SSI, Estate Planning, & a Medi-Cal Planning Attorney in Simi Valley, CA. Call today for your legal consultation. (866) 772-5299
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