Medi-Cal Eligibility and Benefit Planning
Serving Clients and their Families in Valencia, CA and the Surrounding San Fernando Valley Area
Sudden Changes and Big Decisions
Change is life’s only constant. Sometimes health changes strike without warning, and sometimes health changes happen slowly over time. Some people experience strokes, accidents, aneurisms, or other sudden and unexpected medical crises, rendering them incapable of caring for themselves. Other times, a progressive illness such as Alzheimer’s disease slowly takes its toll, ultimately making it impossible to care for its victim in any setting other than a skilled nursing facility.
Finding and affording quality care can be stressful. Proper care is very expensive, and people are often shocked to learn that insurance does not pay long-term care. Often life savings are quickly depleted, and a well spouse can be left in a financial crises, as all the funds were spent on their spouse’s nursing home care.
We can help. We evaluate the best options, and assist with Medi-Cal eligibility and benefits to help pay for long-term skilled nursing care. Our team of Elder Care Coordinators, Public Benefit Specialists, and Legal Professionals help locate and get the best care, while obtaining financial Medi-Cal benefits to help pay for the care.
Long-term Care: Counting the Cost
Long-term care is expensive, and these costs only continue to increase as baby boomers age. Although the range varies depending on where you live, according to the American Association for Long-Term Care Insurance, the annual cost of care will double in the next 20 years. In California, the average private pay rate for skilled nursing care exceeds $8,100.00 per month. Many facilities charge in excess of $100,000.00 per year.
With improved medical care, the average life span of adults is increasing; this translates into more years of care at alarmingly higher rates. Without financial assistance, these care costs can be financially devastating to all but the extremely wealthy. This is where Medi-Cal can help.
Medi-Cal is a state program (Medicaid in other states) which can significantly assist with the high cost of skilled nursing care. Qualifying for Medi-Cal can be difficult and complex, depending upon the situation, assets, and income. The rules are different for single applicants and married couples. It is important to properly analyze each situation, understand the options, the goals, the care needs, and to create a plan to obtain the best care, the benefits to pay for it, while preserving the assets. In addition, it is critical that the family home be protected from California state recovery efforts, and that well spouses are not impoverished due to the high cost of their ill spouse’s care needs.
The Medi-Cal Maze
Although Medicaid requirements vary from state to state, they all share one common element: complexity. California Medicaid is referred to as “Medi-Cal”, and has its own set of rules and regulations. Well meaning neighbors, friends, and even health care professionals often give wrong information and advice to those trying to navigate the Medi-Cal Maze without professional legal guidance. Doing on-line research often uncovers old improper rules, incorrect information, or laws from different states. Relying on wrong information can be financially devastating, and result in huge penalties, and ineligibility.
The Medi-Cal Qualification Process = Legally Protecting the Maximum Amount the Law Allows.
Our team of professionals evaluates each individual situation, and prepares a written plan to achieve eligibility and Medi-Cal benefits while protecting and preserving assets. Our Law Firm legally represents our clients throughout the process, guides them through the complicated Medi-Cal Maze, and advocates for our clients in care settings. Our goal is to help our clients, every step of the way.