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Medi-Cal Planning

Medi-Cal Planning

While most people are familiar with Medicare (government health insurance available for those 65 and older), Medi-Cal is often misunderstood. A joint federal-state program, Medi-Cal (California's name for Medicaid) provides medical assistance to those who are 65 or older, disabled, or blind. Medi-Cal, unlike Medicare, has income and asset restrictions. 

Medicare does not pay for long-term care in the home or in a nursing facility. Medi-Cal provides for such care for those who qualify. Medi-Cal eligibility is determined by the amount of income and resources available to the applicant. Many people assume you have to be poor to qualify for Medi-Cal, but that is not true. With the right planning, many middle-class people can qualify before they become impoverished from paying for nursing home care. Medi-Cal Planning involves the purchasing, transferring, conversion and/or liquidating of assets to enable you or your loved one to qualify under Medi-Cal's two-prong test of income and resources.

Medi-Cal planning requires an understanding of regulations that involve "look-back" periods, income caps, transfer penalties, and waiting periods.
 
We can help you understand your options and make sense of the technical requirements imposed by Medi-Cal. 


Pacific Elder Law is located in the San Francisco Bay Area and serve clients in Alameda County, San Francisco County, and Contra Costa County, including Oakland, Berkeley, Alameda, Emeryville, Piedmont, Hayward, San Francisco, El Cerrito, Richmond, Martinez, Hercules, Lafayette, Orinda and Walnut Creek.



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| Phone: 510-852-9392
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| Phone: 415-552-0113

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