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Medi-Cal Planning

When an elder needs long-term care, they will be looking to Medi-Cal.

In the state of California, we have the California version of Medicaid, which is known as Medi-Cal.

Medi-Cal is a needs-based program, funded jointly by the federal government and the state of California, and is based upon the financial need of the applicant. The  individual's income and the non-exempt assets are factors in determining one's Medical benefits.

It is important to know the difference between Medi-Cal and Medicare because Medicare never pays for custodial care or long-term care. When an elder needs long-term care, they will either pay for it privately at the rate of $5,000 to $8,000 per month of look to Medi-Cal to pay for the care.

What is not realized...is that Medi-Cal is NOT FREE...until it is too late...
The OBRA 1993  law allows recovery against both the real and personal property of any person who received nursing home services and estate recovery programs in all 50 states for medical assistance received. Did you just lose the family's home?

Plan now before a crisis occurs!

	What is Medicaid?
	What is Medi-Cal?
	What is Medicare?
	Why should I plan for Medi-Cal?
	What strategies are available to me?
	Read the article Opportunities Available to Help Seniors Plan for Nursing Home Care written by Pat that appeared in the LA Times.
	Read another article Medi-Cal Protective Trust written by Conrad and Pat that appeared in the CEB State Planning Quarterly.